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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 | $29,690 | $106,524-72.1% | $152,301-80.5% | $87,485-66.1% |
| Participation rate | 30.0% | 75.8%-45.8pp | 82.4%-52.4pp | 68.9%-38.9pp |
| Annual return | 13.75% | 26.89%-13.1pp | 80.50%-66.7pp | 26.06%-12.3pp |
| Employer contribution / active EE | $941 | $3,371-72.1% | $4,624-79.7% | $2,596-63.8% |
| Participant deferral / active EE | $2,832 | $6,525-56.6% | $8,004-64.6% | $4,274-33.7% |
| Admin fee / account holder | $7,637 | $8,287-7.8% | $14,398-47.0% | $7,775-1.8% |