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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 | $40,673 | $77,164-47.3% | $178,014-77.2% | $80,874-49.7% |
| Participation rate | 32.0% | 65.7%-33.7pp | 77.1%-45.1pp | 67.6%-35.6pp |
| Annual return | 6.98% | 18.09%-11.1pp | 294.80%-287.8pp | 35.62%-28.6pp |
| Employer contribution / active EE | $1,421 | $2,288-37.9% | $3,950-64.0% | $2,756-48.4% |
| Participant deferral / active EE | $2,653 | $4,408-39.8% | $6,276-57.7% | $4,297-38.3% |
| Admin fee / account holder | $2,486 | $7,164-65.3% | $10,362-76.0% | $6,935-64.2% |