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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 | $39,518 | $71,230-44.5% | $93,727-57.8% | $80,959-51.2% |
| Participation rate | 56.6% | 60.4%-3.8pp | 68.7%-12.1pp | 67.7%-11.1pp |
| Annual return | 7.95% | 11.26%-3.3pp | 133.83%-125.9pp | 35.67%-27.7pp |
| Employer contribution / active EE | $1,260 | $1,565-19.5% | $2,421-48.0% | $2,757-54.3% |
| Participant deferral / active EE | $3,021 | $4,037-25.2% | $4,417-31.6% | $4,300-29.8% |
| Admin fee / account holder | $9,046 | $6,961+29.9% | $8,292+9.1% | $6,925+30.6% |