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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 | $40,918 | $104,098-60.7% | $140,514-70.9% | $94,015-56.5% |
| Participation rate | 63.0% | 73.7%-10.7pp | 77.8%-14.8pp | 70.8%-7.8pp |
| Annual return | 6.16% | 15.14%-9.0pp | 14.36%-8.2pp | 17.84%-11.7pp |
| Employer contribution / active EE | $771 | $2,388-67.7% | $3,378-77.2% | $2,790-72.4% |
| Participant deferral / active EE | $2,757 | $4,033-31.6% | $4,919-43.9% | $4,249-35.1% |
| Admin fee / account holder | $2,133 | $10,439-79.6% | $13,697-84.4% | $8,951-76.2% |