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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 | $41,850 | $52,279-19.9% | $89,435-53.2% | $79,856-47.6% |
| Participation rate | 48.3% | 57.5%-9.3pp | 68.0%-19.7pp | 69.6%-21.4pp |
| Annual return | 5.37% | 22.16%-16.8pp | 245.55%-240.2pp | 31.71%-26.3pp |
| Employer contribution / active EE | $1,131 | $1,572-28.1% | $2,587-56.3% | $2,471-54.3% |
| Participant deferral / active EE | $3,178 | $2,740+16.0% | $3,890-18.3% | $3,741-15.0% |
| Admin fee / account holder | $3,450 | $3,356+2.8% | $4,884-29.4% | $5,306-35.0% |