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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 | $50,604 | $68,586-26.2% | $120,380-58.0% | $80,911-37.5% |
| Participation rate | 40.2% | 61.6%-21.4pp | 71.9%-31.7pp | 67.6%-27.4pp |
| Annual return | 8.24% | 23.62%-15.4pp | 107.28%-99.0pp | 35.63%-27.4pp |
| Employer contribution / active EE | $1,134 | $2,053-44.8% | $3,465-67.3% | $2,756-58.9% |
| Participant deferral / active EE | $1,696 | $3,174-46.6% | $4,992-66.0% | $4,297-60.5% |
| Admin fee / account holder | $961 | $5,733-83.2% | $9,421-89.8% | $6,935-86.1% |