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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 | $41,016+54.9% | $152,093-58.2% | $64,097-0.9% |
| Participation rate | 35.0% | 51.3%-16.3pp | 77.8%-42.7pp | 55.2%-20.2pp |
| Annual return | 10.55% | 39.60%-29.0pp | 66.36%-55.8pp | 34.64%-24.1pp |
| Employer contribution / active EE | $1,108 | $1,342-17.4% | $4,175-73.5% | $1,891-41.4% |
| Participant deferral / active EE | $1,204 | $1,927-37.5% | $5,451-77.9% | $3,080-60.9% |
| Admin fee / account holder | $1,225 | $2,305-46.8% | $14,497-91.5% | $3,454-64.5% |