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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 | $51,007 | $76,407-33.2% | $150,298-66.1% | $82,448-38.1% |
| Participation rate | 37.5% | 66.4%-28.9pp | 77.8%-40.3pp | 68.1%-30.6pp |
| Annual return | 10.59% | 39.99%-29.4pp | 62.79%-52.2pp | 41.64%-31.0pp |
| Employer contribution / active EE | $699 | $2,614-73.3% | $4,154-83.2% | $2,551-72.6% |
| Participant deferral / active EE | $1,377 | $3,214-57.2% | $5,453-74.8% | $4,139-66.7% |
| Admin fee / account holder | $4,456 | $6,352-29.8% | $14,116-68.4% | $7,234-38.4% |