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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 | $56,627 | $71,208-20.5% | $93,681-39.6% | $80,911-30.0% |
| Participation rate | 42.3% | 60.4%-18.1pp | 68.7%-26.4pp | 67.6%-25.3pp |
| Annual return | 9.22% | 11.27%-2.1pp | 133.47%-124.3pp | 35.63%-26.4pp |
| Employer contribution / active EE | $1,020 | $1,564-34.8% | $2,422-57.9% | $2,756-63.0% |
| Participant deferral / active EE | $1,530 | $4,035-62.1% | $4,415-65.3% | $4,297-64.4% |
| Admin fee / account holder | $9,539 | $6,951+37.2% | $8,290+15.1% | $6,935+37.6% |