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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 | $57,658 | $88,360-34.7% | $145,433-60.4% | $67,986-15.2% |
| Participation rate | 31.2% | 65.5%-34.3pp | 82.1%-51.0pp | 57.2%-26.0pp |
| Annual return | 13.70% | 63.15%-49.5pp | 66.58%-52.9pp | 31.67%-18.0pp |
| Employer contribution / active EE | $1,472 | $3,054-51.8% | $4,554-67.7% | $2,019-27.1% |
| Participant deferral / active EE | $2,448 | $5,932-58.7% | $7,897-69.0% | $3,358-27.1% |
| Admin fee / account holder | $6,133 | $3,313+85.1% | $13,129-53.3% | $3,203+91.5% |