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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 | $21,945 | $54,763-59.9% | $90,324-75.7% | $72,976-69.9% |
| Participation rate | 48.3% | 65.2%-16.9pp | 73.3%-25.0pp | 69.5%-21.2pp |
| Annual return | 13.76% | 30.63%-16.9pp | 78.15%-64.4pp | 81.02%-67.3pp |
| Employer contribution / active EE | $1,182 | $2,093-43.6% | $2,856-58.6% | $2,440-51.6% |
| Participant deferral / active EE | $2,064 | $2,887-28.5% | $3,885-46.9% | $3,608-42.8% |
| Admin fee / account holder | $1,158 | $3,973-70.8% | $5,356-78.4% | $5,124-77.4% |