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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 | $38,338 | $78,705-51.3% | $117,860-67.5% | $70,124-45.3% |
| Participation rate | 45.2% | 73.2%-28.0pp | 79.7%-34.4pp | 69.5%-24.3pp |
| Annual return | 11.05% | 23.30%-12.2pp | 335.10%-324.0pp | 73.14%-62.1pp |
| Employer contribution / active EE | $801 | $2,223-64.0% | $3,786-78.8% | $2,342-65.8% |
| Participant deferral / active EE | $1,792 | $3,297-45.7% | $4,482-60.0% | $3,332-46.2% |
| Admin fee / account holder | $4,016 | $5,065-20.7% | $8,021-49.9% | $4,645-13.6% |