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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 | $46,916 | $49,138-4.5% | $84,021-44.2% | $65,185-28.0% |
| Participation rate | 32.3% | 60.7%-28.4pp | 69.0%-36.7pp | 70.2%-37.9pp |
| Annual return | 15.94% | 23.00%-7.1pp | 71.32%-55.4pp | 29.38%-13.4pp |
| Employer contribution / active EE | $608 | $914-33.4% | $1,984-69.3% | $2,177-72.1% |
| Participant deferral / active EE | $1,217 | $2,397-49.2% | $3,239-62.4% | $3,514-65.4% |
| Admin fee / account holder | $364 | $543-33.1% | $6,102-94.0% | $847-57.1% |