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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 | $48,606 | $75,058-35.2% | $152,301-68.1% | $64,340-24.5% |
| Participation rate | 23.8% | 60.9%-37.1pp | 82.4%-58.6pp | 55.2%-31.4pp |
| Annual return | 10.80% | 29.93%-19.1pp | 80.50%-69.7pp | 24.14%-13.3pp |
| Employer contribution / active EE | $909 | $2,605-65.1% | $4,624-80.3% | $1,862-51.2% |
| Participant deferral / active EE | $2,218 | $5,041-56.0% | $8,004-72.3% | $2,980-25.6% |
| Admin fee / account holder | $40,086 | $4,050+889.7% | $14,398+178.4% | $3,703+982.7% |