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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 | $26,446 | $72,273-63.4% | $101,275-73.9% | $79,856-66.9% |
| Participation rate | 59.2% | 68.5%-9.3pp | 75.8%-16.6pp | 69.6%-10.5pp |
| Annual return | 8.99% | 22.30%-13.3pp | 46.48%-37.5pp | 31.71%-22.7pp |
| Employer contribution / active EE | $1,286 | $2,691-52.2% | $3,660-64.9% | $2,471-48.0% |
| Participant deferral / active EE | $2,000 | $3,282-39.1% | $4,371-54.2% | $3,741-46.5% |
| Admin fee / account holder | $3,600 | $4,401-18.2% | $5,948-39.5% | $5,306-32.2% |