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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 | $63,536 | $45,343+40.1% | $150,298-57.7% | $67,986-6.5% |
| Participation rate | 35.0% | 51.9%-16.8pp | 77.8%-42.7pp | 57.2%-22.2pp |
| Annual return | 10.55% | 33.28%-22.7pp | 62.79%-52.2pp | 31.67%-21.1pp |
| Employer contribution / active EE | $1,108 | $1,462-24.2% | $4,154-73.3% | $2,019-45.1% |
| Participant deferral / active EE | $1,204 | $2,055-41.4% | $5,453-77.9% | $3,358-64.1% |
| Admin fee / account holder | $1,225 | $2,250-45.5% | $14,116-91.3% | $3,203-61.7% |