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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 | $71,019 | $86,949-18.3% | $102,460-30.7% | $80,959-12.3% |
| Participation rate | 16.3% | 72.4%-56.1pp | 76.5%-60.2pp | 67.7%-51.4pp |
| Annual return | 9.28% | 18.89%-9.6pp | 29.47%-20.2pp | 35.67%-26.4pp |
| Employer contribution / active EE | $1,338 | $2,370-43.5% | $3,025-55.8% | $2,757-51.5% |
| Participant deferral / active EE | $2,742 | $4,121-33.5% | $5,056-45.8% | $4,300-36.2% |
| Admin fee / account holder | $1,436 | $8,048-82.2% | $9,460-84.8% | $6,925-79.3% |