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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 | $52,432 | $84,936-38.3% | $111,308-52.9% | $79,391-34.0% |
| Participation rate | 49.2% | 75.9%-26.7pp | 77.3%-28.1pp | 70.7%-21.5pp |
| Annual return | 11.72% | 17.45%-5.7pp | 54.67%-42.9pp | 116.88%-105.2pp |
| Employer contribution / active EE | $1,439 | $1,979-27.3% | $2,732-47.3% | $2,428-40.7% |
| Participant deferral / active EE | $2,358 | $3,888-39.4% | $4,487-47.5% | $4,046-41.7% |
| Admin fee / account holder | $2,334 | $537+334.5% | $7,965-70.7% | $627+272.5% |