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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 | $27,356 | $66,764-59.0% | $88,497-69.1% | $62,881-56.5% |
| Participation rate | 45.9% | 77.3%-31.4pp | 82.4%-36.5pp | 69.3%-23.4pp |
| Annual return | 4.85% | 10.37%-5.5pp | 7.63%-2.8pp | 20.14%-15.3pp |
| Employer contribution / active EE | $1,319 | $3,077-57.1% | $4,036-67.3% | $2,281-42.2% |
| Participant deferral / active EE | $2,019 | $3,976-49.2% | $4,899-58.8% | $3,203-37.0% |
| Admin fee / account holder | $3,475 | $4,668-25.6% | $6,220-44.1% | $4,296-19.1% |