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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 | $53,641 | $78,682-31.8% | $109,188-50.9% | $85,851-37.5% |
| Participation rate | 37.9% | 68.3%-30.4pp | 75.9%-38.0pp | 69.3%-31.4pp |
| Annual return | 8.68% | 25.09%-16.4pp | 25.76%-17.1pp | 318.63%-310.0pp |
| Employer contribution / active EE | $889 | $2,734-67.5% | $3,723-76.1% | $2,565-65.4% |
| Participant deferral / active EE | $2,495 | $3,468-28.1% | $4,654-46.4% | $3,952-36.9% |
| Admin fee / account holder | $5,068 | $5,470-7.3% | $6,755-25.0% | $6,261-19.1% |