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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 | $41,070 | $124,314-67.0% | $109,163-62.4% | $167,518-75.5% |
| Participation rate | 65.0% | 79.4%-14.4pp | 75.9%-10.9pp | 82.1%-17.1pp |
| Annual return | 7.72% | 26.04%-18.3pp | 25.75%-18.0pp | 478.71%-471.0pp |
| Employer contribution / active EE | $1,520 | $4,209-63.9% | $3,723-59.2% | $4,838-68.6% |
| Participant deferral / active EE | $2,241 | $5,256-57.4% | $4,654-51.8% | $6,342-64.7% |
| Admin fee / account holder | $545 | $7,973-93.2% | $6,754-91.9% | $12,312-95.6% |