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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 | $46,207 | $88,996-48.1% | $78,004-40.8% | $138,895-66.7% |
| Participation rate | 42.9% | 74.4%-31.5pp | 69.4%-26.6pp | 79.9%-37.1pp |
| Annual return | 10.31% | 28.03%-17.7pp | 31.07%-20.8pp | 145.39%-135.1pp |
| Employer contribution / active EE | $1,159 | $2,917-60.3% | $2,469-53.1% | $4,194-72.4% |
| Participant deferral / active EE | $1,389 | $4,724-70.6% | $4,092-66.0% | $6,396-78.3% |
| Admin fee / account holder | $982 | $8,807-88.8% | $7,578-87.0% | $12,562-92.2% |