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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 | $49,246 | $72,012-31.6% | $185,827-73.5% | $79,858-38.3% |
| Participation rate | 44.1% | 65.8%-21.6pp | 78.0%-33.9pp | 69.6%-25.5pp |
| Annual return | 11.43% | 23.12%-11.7pp | 35.96%-24.5pp | 31.72%-20.3pp |
| Employer contribution / active EE | $831 | $1,965-57.7% | $4,087-79.7% | $2,471-66.4% |
| Participant deferral / active EE | $3,325 | $3,779-12.0% | $5,633-41.0% | $3,740-11.1% |
| Admin fee / account holder | $318 | $4,513-93.0% | $9,502-96.7% | $5,306-94.0% |