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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 | $38,421 | $93,064-58.7% | $74,577-48.5% | $273,972-86.0% |
| Participation rate | 62.5% | 74.9%-12.4pp | 68.1%-5.6pp | 83.0%-20.5pp |
| Annual return | 0.42% | 26.18%-25.8pp | 20.47%-20.0pp | 41.46%-41.0pp |
| Employer contribution / active EE | $10,325 | $3,160+226.7% | $2,525+308.9% | $4,869+112.1% |
| Participant deferral / active EE | $6,723 | $4,160+61.6% | $3,458+94.4% | $5,287+27.2% |
| Admin fee / account holder | $1,522 | $5,273-71.1% | $4,138-63.2% | $10,133-85.0% |