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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 | $61,180 | $97,648-37.3% | $121,663-49.7% | $87,485-30.1% |
| Participation rate | 29.1% | 70.5%-41.4pp | 74.5%-45.4pp | 68.9%-39.8pp |
| Annual return | 5.80% | 18.03%-12.2pp | 147.54%-141.7pp | 26.06%-20.3pp |
| Employer contribution / active EE | $1,254 | $2,300-45.5% | $3,020-58.5% | $2,596-51.7% |
| Participant deferral / active EE | $2,960 | $3,923-24.5% | $4,887-39.4% | $4,274-30.7% |
| Admin fee / account holder | $6,996 | $11,100-37.0% | $14,289-51.0% | $7,775-10.0% |