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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 | $59,860 | $71,230-16.0% | $93,727-36.1% | $80,959-26.1% |
| Participation rate | 38.5% | 60.4%-21.9pp | 68.7%-30.2pp | 67.7%-29.2pp |
| Annual return | 9.90% | 11.26%-1.4pp | 133.83%-123.9pp | 35.67%-25.8pp |
| Employer contribution / active EE | $555 | $1,565-64.5% | $2,421-77.1% | $2,757-79.9% |
| Participant deferral / active EE | $2,347 | $4,037-41.9% | $4,417-46.9% | $4,300-45.4% |
| Admin fee / account holder | $3,081 | $6,961-55.7% | $8,292-62.8% | $6,925-55.5% |