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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 | $31,694 | $46,596-32.0% | $64,099-50.6% | $75,181-57.8% |
| Participation rate | 49.1% | 65.9%-16.9pp | 72.3%-23.3pp | 67.2%-18.1pp |
| Annual return | 9.36% | 26.04%-16.7pp | 33.70%-24.3pp | 160.69%-151.3pp |
| Employer contribution / active EE | $1,450 | $1,975-26.6% | $2,748-47.2% | $2,671-45.7% |
| Participant deferral / active EE | $2,539 | $2,837-10.5% | $3,881-34.6% | $4,126-38.5% |
| Admin fee / account holder | $486 | $2,954-83.6% | $3,070-84.2% | $5,650-91.4% |