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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 | $37,413 | $78,423-52.3% | $95,964-61.0% | $79,856-53.1% |
| Participation rate | 46.9% | 73.5%-26.6pp | 77.1%-30.2pp | 69.6%-22.8pp |
| Annual return | 5.85% | 19.37%-13.5pp | 91.64%-85.8pp | 31.71%-25.9pp |
| Employer contribution / active EE | $1,612 | $1,945-17.1% | $2,541-36.6% | $2,471-34.8% |
| Participant deferral / active EE | $3,647 | $3,440+6.0% | $4,167-12.5% | $3,741-2.5% |
| Admin fee / account holder | $2,401 | $5,622-57.3% | $6,797-64.7% | $5,306-54.7% |