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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 | $35,492 | $55,902-36.5% | $76,030-53.3% | $80,959-56.2% |
| Participation rate | 44.4% | 62.1%-17.6pp | 69.1%-24.6pp | 67.7%-23.2pp |
| Annual return | 7.32% | 20.59%-13.3pp | 361.54%-354.2pp | 35.67%-28.4pp |
| Employer contribution / active EE | $1,349 | $1,867-27.7% | $2,688-49.8% | $2,757-51.1% |
| Participant deferral / active EE | $3,156 | $3,051+3.5% | $4,257-25.9% | $4,300-26.6% |
| Admin fee / account holder | $5,147 | $5,239-1.8% | $6,421-19.8% | $6,925-25.7% |