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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 | $31,337 | $87,132-64.0% | $105,624-70.3% | $80,959-61.3% |
| Participation rate | 57.0% | 70.4%-13.4pp | 75.3%-18.3pp | 67.7%-10.7pp |
| Annual return | 9.68% | 17.03%-7.3pp | 116.20%-106.5pp | 35.67%-26.0pp |
| Employer contribution / active EE | $1,713 | $2,397-28.5% | $3,168-45.9% | $2,757-37.9% |
| Participant deferral / active EE | $3,463 | $3,985-13.1% | $5,013-30.9% | $4,300-19.5% |
| Admin fee / account holder | $5,177 | $8,449-38.7% | $10,961-52.8% | $6,925-25.2% |