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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 | $82,133-29.8% | $147,318-60.9% | $64,097-10.0% |
| Participation rate | 31.2% | 62.3%-31.1pp | 82.1%-50.9pp | 55.2%-24.0pp |
| Annual return | 13.70% | 78.78%-65.1pp | 70.43%-56.7pp | 34.64%-20.9pp |
| Employer contribution / active EE | $1,472 | $2,872-48.8% | $4,593-68.0% | $1,891-22.2% |
| Participant deferral / active EE | $2,448 | $5,407-54.7% | $7,906-69.0% | $3,080-20.5% |
| Admin fee / account holder | $6,133 | $3,730+64.4% | $13,708-55.3% | $3,454+77.5% |