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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 | $64,744 | $106,864-39.4% | $147,318-56.1% | $82,637-21.7% |
| Participation rate | 56.0% | 75.5%-19.5pp | 82.1%-26.1pp | 68.1%-12.1pp |
| Annual return | 14.06% | 27.49%-13.4pp | 70.43%-56.4pp | 53.51%-39.5pp |
| Employer contribution / active EE | $1,295 | $3,417-62.1% | $4,593-71.8% | $2,552-49.3% |
| Participant deferral / active EE | $3,328 | $6,496-48.8% | $7,906-57.9% | $4,126-19.3% |
| Admin fee / account holder | $656 | $8,415-92.2% | $13,708-95.2% | $7,339-91.1% |