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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 | $54,408 | $106,864-49.1% | $147,318-63.1% | $82,637-34.2% |
| Participation rate | 33.3% | 75.5%-42.2pp | 82.1%-48.7pp | 68.1%-34.7pp |
| Annual return | 13.86% | 27.49%-13.6pp | 70.43%-56.6pp | 53.51%-39.6pp |
| Employer contribution / active EE | $1,087 | $3,417-68.2% | $4,593-76.3% | $2,552-57.4% |
| Participant deferral / active EE | $2,878 | $6,496-55.7% | $7,906-63.6% | $4,126-30.2% |
| Admin fee / account holder | $5,221 | $8,415-38.0% | $13,708-61.9% | $7,339-28.9% |