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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 | $40,797 | $93,589-56.4% | $135,942-70.0% | $75,181-45.7% |
| Participation rate | 52.2% | 75.2%-23.0pp | 81.9%-29.7pp | 67.2%-15.0pp |
| Annual return | 12.90% | 30.90%-18.0pp | 68.28%-55.4pp | 160.69%-147.8pp |
| Employer contribution / active EE | $1,815 | $3,537-48.7% | $4,858-62.6% | $2,671-32.0% |
| Participant deferral / active EE | $3,964 | $6,405-38.1% | $7,759-48.9% | $4,126-3.9% |
| Admin fee / account holder | $15,422 | $6,977+121.0% | $10,764+43.3% | $5,650+173.0% |