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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 | $39,641 | $115,225-65.6% | $100,712-60.6% | $138,895-71.5% |
| Participation rate | 58.8% | 74.3%-15.5pp | 69.3%-10.5pp | 79.9%-21.1pp |
| Annual return | 6.46% | 40.35%-33.9pp | 33.27%-26.8pp | 145.39%-138.9pp |
| Employer contribution / active EE | $813 | $2,771-70.6% | $2,313-64.8% | $4,194-80.6% |
| Participant deferral / active EE | $3,223 | $4,699-31.4% | $4,085-21.1% | $6,396-49.6% |
| Admin fee / account holder | $46,720 | $10,844+330.8% | $9,256+404.7% | $12,562+271.9% |