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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 | $36,760 | $81,457-54.9% | $103,378-64.4% | $80,911-54.6% |
| Participation rate | 44.0% | 66.8%-22.8pp | 74.5%-30.5pp | 67.6%-23.6pp |
| Annual return | 8.94% | 25.58%-16.6pp | 24.91%-16.0pp | 35.63%-26.7pp |
| Employer contribution / active EE | $1,265 | $3,107-59.3% | $3,870-67.3% | $2,756-54.1% |
| Participant deferral / active EE | $2,849 | $3,871-26.4% | $5,058-43.7% | $4,297-33.7% |
| Admin fee / account holder | $2,137 | $6,717-68.2% | $8,401-74.6% | $6,935-69.2% |