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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 | $55,930-36.5% | $76,089-53.4% | $80,925-56.1% |
| Participation rate | 44.4% | 62.1%-17.6pp | 69.1%-24.6pp | 67.7%-23.2pp |
| Annual return | 7.32% | 20.58%-13.3pp | 360.94%-353.6pp | 35.65%-28.3pp |
| Employer contribution / active EE | $1,349 | $1,866-27.7% | $2,690-49.8% | $2,756-51.0% |
| Participant deferral / active EE | $3,156 | $3,051+3.5% | $4,259-25.9% | $4,299-26.6% |
| Admin fee / account holder | $5,147 | $5,241-1.8% | $6,418-19.8% | $6,940-25.8% |