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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 | $51,638-6.1% | $68,368-29.0% | $82,448-41.2% |
| Participation rate | 34.5% | 63.6%-29.1pp | 73.8%-39.3pp | 68.1%-33.6pp |
| Annual return | 9.48% | 37.53%-28.1pp | 292.57%-283.1pp | 41.64%-32.2pp |
| Employer contribution / active EE | $1,478 | $2,047-27.8% | $2,649-44.2% | $2,551-42.1% |
| Participant deferral / active EE | $1,533 | $2,914-47.4% | $4,123-62.8% | $4,139-63.0% |
| Admin fee / account holder | $707 | $4,643-84.8% | $5,150-86.3% | $7,234-90.2% |