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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 | $77,412 | $106,267-27.2% | $96,520-19.8% | $139,456-44.5% |
| Participation rate | 46.2% | 77.8%-31.7pp | 74.3%-28.2pp | 80.3%-34.2pp |
| Annual return | 10.57% | 38.45%-27.9pp | 35.72%-25.1pp | 373.45%-362.9pp |
| Employer contribution / active EE | $1,435 | $4,105-65.0% | $3,739-61.6% | $4,753-69.8% |
| Participant deferral / active EE | $2,547 | $5,454-53.3% | $4,879-47.8% | $6,711-62.1% |
| Admin fee / account holder | $2,091 | $7,882-73.5% | $6,733-68.9% | $11,407-81.7% |