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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 | $35,793 | $53,128-32.6% | $86,582-58.7% | $70,126-49.0% |
| Participation rate | 48.4% | 65.3%-16.9pp | 73.5%-25.2pp | 69.5%-21.2pp |
| Annual return | 3.47% | 27.66%-24.2pp | 965.08%-961.6pp | 73.15%-69.7pp |
| Employer contribution / active EE | $2,633 | $2,068+27.3% | $2,839-7.3% | $2,343+12.4% |
| Participant deferral / active EE | $1,778 | $2,695-34.0% | $3,609-50.7% | $3,332-46.6% |
| Admin fee / account holder | $2,662 | $3,584-25.7% | $4,904-45.7% | $4,645-42.7% |