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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $57,549 | $45,343+26.9% | $150,298-61.7% | $67,986-15.4% |
| Participation rate | 45.3% | 51.9%-6.5pp | 77.8%-32.4pp | 57.2%-11.9pp |
| Annual return | 6.05% | 33.28%-27.2pp | 62.79%-56.7pp | 31.67%-25.6pp |
| Employer contribution / active EE | $780 | $1,462-46.6% | $4,154-81.2% | $2,019-61.3% |
| Participant deferral / active EE | $1,517 | $2,055-26.2% | $5,453-72.2% | $3,358-54.8% |
| Admin fee / account holder | $3,406 | $2,250+51.4% | $14,116-75.9% | $3,203+6.3% |