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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 | $33,178 | $77,814-57.4% | $158,223-79.0% | $86,983-61.9% |
| Participation rate | 52.4% | 68.4%-16.0pp | 79.2%-26.8pp | 69.5%-17.2pp |
| Annual return | 8.87% | 30.54%-21.7pp | 52.09%-43.2pp | 25.83%-17.0pp |
| Employer contribution / active EE | $1,004 | $2,592-61.3% | $4,109-75.6% | $2,584-61.1% |
| Participant deferral / active EE | $4,320 | $3,270+32.1% | $5,467-21.0% | $4,194+3.0% |
| Admin fee / account holder | $2,514 | $5,879-57.2% | $16,047-84.3% | $7,856-68.0% |