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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 | $48,681 | $47,479+2.5% | $62,929-22.6% | $82,448-41.0% |
| Participation rate | 44.9% | 66.9%-22.0pp | 73.1%-28.2pp | 68.1%-23.2pp |
| Annual return | 10.84% | 20.34%-9.5pp | 1063.93%-1053.1pp | 41.64%-30.8pp |
| Employer contribution / active EE | $1,767 | $1,885-6.3% | $2,505-29.5% | $2,551-30.7% |
| Participant deferral / active EE | $3,337 | $2,870+16.3% | $3,888-14.2% | $4,139-19.4% |
| Admin fee / account holder | $8,533 | $3,804+124.3% | $5,065+68.5% | $7,234+18.0% |