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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 | $58,324 | $58,848-0.9% | $88,179-33.9% | $82,637-29.4% |
| Participation rate | 33.3% | 57.9%-24.6pp | 69.1%-35.8pp | 68.1%-34.7pp |
| Annual return | 12.81% | 22.76%-9.9pp | 64.97%-52.2pp | 53.51%-40.7pp |
| Employer contribution / active EE | $1,106 | $1,678-34.1% | $2,549-56.6% | $2,552-56.7% |
| Participant deferral / active EE | $2,745 | $3,124-12.1% | $4,614-40.5% | $4,126-33.5% |
| Admin fee / account holder | $7,103 | $4,795+48.1% | $7,673-7.4% | $7,339-3.2% |