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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 | $64,920-25.3% | $103,693-53.2% | $86,983-44.2% |
| Participation rate | 34.5% | 63.6%-29.1pp | 72.6%-38.2pp | 69.5%-35.1pp |
| Annual return | 9.48% | 30.29%-20.8pp | 47.61%-38.1pp | 25.83%-16.4pp |
| Employer contribution / active EE | $1,478 | $2,141-31.0% | $2,920-49.4% | $2,584-42.8% |
| Participant deferral / active EE | $1,533 | $3,241-52.7% | $4,579-66.5% | $4,194-63.4% |
| Admin fee / account holder | $707 | $6,191-88.6% | $7,858-91.0% | $7,856-91.0% |