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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 | $61,775 | $106,864-42.2% | $147,318-58.1% | $82,637-25.2% |
| Participation rate | 48.0% | 75.5%-27.5pp | 82.1%-34.1pp | 68.1%-20.1pp |
| Annual return | 12.92% | 27.49%-14.6pp | 70.43%-57.5pp | 53.51%-40.6pp |
| Employer contribution / active EE | $1,307 | $3,417-61.7% | $4,593-71.5% | $2,552-48.8% |
| Participant deferral / active EE | $4,126 | $6,496-36.5% | $7,906-47.8% | $4,1260% |
| Admin fee / account holder | $3,658 | $8,415-56.5% | $13,708-73.3% | $7,339-50.2% |