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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 | $35,948 | $70,666-49.1% | $169,385-78.8% | $75,181-52.2% |
| Participation rate | 47.4% | 64.8%-17.4pp | 77.2%-29.8pp | 67.2%-19.8pp |
| Annual return | 13.92% | 36.37%-22.4pp | 405.82%-391.9pp | 160.69%-146.8pp |
| Employer contribution / active EE | $1,747 | $2,210-20.9% | $4,012-56.4% | $2,671-34.6% |
| Participant deferral / active EE | $3,613 | $4,308-16.1% | $6,221-41.9% | $4,126-12.4% |
| Admin fee / account holder | $3,000 | $5,402-44.5% | $9,011-66.7% | $5,650-46.9% |