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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 | $39,350 | $68,586-42.6% | $120,380-67.3% | $80,911-51.4% |
| Participation rate | 50.8% | 61.6%-10.7pp | 71.9%-21.1pp | 67.6%-16.8pp |
| Annual return | 8.17% | 23.62%-15.4pp | 107.28%-99.1pp | 35.63%-27.5pp |
| Employer contribution / active EE | $1,013 | $2,053-50.7% | $3,465-70.8% | $2,756-63.3% |
| Participant deferral / active EE | $1,288 | $3,174-59.4% | $4,992-74.2% | $4,297-70.0% |
| Admin fee / account holder | $1,904 | $5,733-66.8% | $9,421-79.8% | $6,935-72.5% |