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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 | $40,753 | $45,126-9.7% | $85,187-52.2% | $74,459-45.3% |
| Participation rate | 29.0% | 49.4%-20.4pp | 67.5%-38.5pp | 67.2%-38.2pp |
| Annual return | 8.67% | 26.30%-17.6pp | 66.67%-58.0pp | 1369.70%-1361.0pp |
| Employer contribution / active EE | $806 | $1,460-44.8% | $2,732-70.5% | $2,626-69.3% |
| Participant deferral / active EE | $1,565 | $2,738-42.9% | $4,525-65.4% | $4,350-64.0% |
| Admin fee / account holder | $2,419 | $2,212+9.3% | $6,162-60.7% | $1,945+24.4% |