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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 | $68,581 | $65,041+5.4% | $90,965-24.6% | $79,858-14.1% |
| Participation rate | 40.4% | 61.6%-21.2pp | 69.0%-28.6pp | 69.6%-29.2pp |
| Annual return | 2.87% | 30.45%-27.6pp | 134.57%-131.7pp | 31.72%-28.8pp |
| Employer contribution / active EE | $1,094 | $1,247-12.3% | $2,122-48.4% | $2,471-55.7% |
| Participant deferral / active EE | $1,368 | $2,512-45.6% | $3,373-59.5% | $3,740-63.4% |
| Admin fee / account holder | $466 | $4,536-89.7% | $5,960-92.2% | $5,306-91.2% |