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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 | $48,513 | $61,125-20.6% | $94,057-48.4% | $87,485-44.5% |
| Participation rate | 34.5% | 64.1%-29.6pp | 73.3%-38.9pp | 68.9%-34.4pp |
| Annual return | 9.48% | 35.20%-25.7pp | 480.62%-471.1pp | 26.06%-16.6pp |
| Employer contribution / active EE | $1,478 | $2,136-30.8% | $2,933-49.6% | $2,596-43.1% |
| Participant deferral / active EE | $1,533 | $3,260-53.0% | $4,709-67.4% | $4,274-64.1% |
| Admin fee / account holder | $707 | $5,629-87.4% | $7,244-90.2% | $7,775-90.9% |