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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 | $62,556 | $101,752-38.5% | $164,928-62.1% | $80,911-22.7% |
| Participation rate | 30.2% | 71.8%-41.6pp | 78.6%-48.4pp | 67.6%-37.4pp |
| Annual return | 8.49% | 16.73%-8.2pp | 70.08%-61.6pp | 35.63%-27.1pp |
| Employer contribution / active EE | $1,440 | $2,953-51.2% | $4,343-66.8% | $2,756-47.7% |
| Participant deferral / active EE | $2,199 | $4,477-50.9% | $6,034-63.5% | $4,297-48.8% |
| Admin fee / account holder | $6,243 | $8,218-24.0% | $12,684-50.8% | $6,935-10.0% |