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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 | $54,102 | $62,672-13.7% | $185,117-70.8% | $70,124-22.8% |
| Participation rate | 38.6% | 63.8%-25.1pp | 77.3%-38.6pp | 69.5%-30.9pp |
| Annual return | 13.15% | 40.79%-27.6pp | 40.50%-27.3pp | 73.14%-60.0pp |
| Employer contribution / active EE | $560 | $1,753-68.0% | $4,182-86.6% | $2,342-76.1% |
| Participant deferral / active EE | $1,250 | $3,272-61.8% | $5,045-75.2% | $3,332-62.5% |
| Admin fee / account holder | $3,072 | $3,932-21.9% | $8,159-62.4% | $4,645-33.9% |