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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 | $41,733 | $99,345-58.0% | $84,753-50.8% | $273,972-84.8% |
| Participation rate | 68.8% | 80.7%-11.9pp | 76.6%-7.8pp | 83.0%-14.3pp |
| Annual return | 0.79% | 22.93%-22.1pp | 22.78%-22.0pp | 41.46%-40.7pp |
| Employer contribution / active EE | $1,700 | $4,214-59.7% | $3,574-52.5% | $4,869-65.1% |
| Participant deferral / active EE | $5,046 | $4,270+18.2% | $3,712+35.9% | $5,287-4.6% |
| Admin fee / account holder | $4,616 | $6,645-30.5% | $5,333-13.4% | $10,133-54.4% |