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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 | $38,004 | $81,457-53.3% | $103,378-63.2% | $80,911-53.0% |
| Participation rate | 60.4% | 66.8%-6.4pp | 74.5%-14.1pp | 67.6%-7.2pp |
| Annual return | 9.08% | 25.58%-16.5pp | 24.91%-15.8pp | 35.63%-26.6pp |
| Employer contribution / active EE | $1,406 | $3,107-54.7% | $3,870-63.7% | $2,756-49.0% |
| Participant deferral / active EE | $3,159 | $3,871-18.4% | $5,058-37.5% | $4,297-26.5% |
| Admin fee / account holder | $1,481 | $6,717-78.0% | $8,401-82.4% | $6,935-78.6% |