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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 | $47,659 | $47,848-0.4% | $81,473-41.5% | $70,126-32.0% |
| Participation rate | 47.6% | 58.3%-10.7pp | 68.0%-20.3pp | 69.5%-21.9pp |
| Annual return | 12.75% | 27.25%-14.5pp | 38.78%-26.0pp | 73.15%-60.4pp |
| Employer contribution / active EE | $247 | $1,527-83.8% | $2,568-90.4% | $2,343-89.4% |
| Participant deferral / active EE | $1,020 | $2,453-58.4% | $3,537-71.2% | $3,332-69.4% |
| Admin fee / account holder | $3,378 | $3,145+7.4% | $4,561-25.9% | $4,645-27.3% |