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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 | $50,467 | $78,423-35.6% | $95,964-47.4% | $79,856-36.8% |
| Participation rate | 42.9% | 73.5%-30.6pp | 77.1%-34.2pp | 69.6%-26.8pp |
| Annual return | 7.19% | 19.37%-12.2pp | 91.64%-84.5pp | 31.71%-24.5pp |
| Employer contribution / active EE | $964 | $1,945-50.5% | $2,541-62.1% | $2,471-61.0% |
| Participant deferral / active EE | $1,886 | $3,440-45.2% | $4,167-54.7% | $3,741-49.6% |
| Admin fee / account holder | $8,349 | $5,622+48.5% | $6,797+22.8% | $5,306+57.3% |