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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 | $39,121 | $73,787-47.0% | $98,716-60.4% | $82,448-52.6% |
| Participation rate | 30.0% | 61.4%-31.4pp | 69.3%-39.3pp | 68.1%-38.1pp |
| Annual return | 9.90% | 18.57%-8.7pp | 31.81%-21.9pp | 41.64%-31.7pp |
| Employer contribution / active EE | $1,209 | $1,511-20.0% | $2,279-47.0% | $2,551-52.6% |
| Participant deferral / active EE | $2,261 | $3,081-26.6% | $4,048-44.2% | $4,139-45.4% |
| Admin fee / account holder | $11,021 | $6,500+69.6% | $8,703+26.6% | $7,234+52.3% |