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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 | $61,973 | $76,407-18.9% | $150,298-58.8% | $82,448-24.8% |
| Participation rate | 47.4% | 66.4%-19.0pp | 77.8%-30.4pp | 68.1%-20.7pp |
| Annual return | 9.78% | 39.99%-30.2pp | 62.79%-53.0pp | 41.64%-31.9pp |
| Employer contribution / active EE | $1,187 | $2,614-54.6% | $4,154-71.4% | $2,551-53.5% |
| Participant deferral / active EE | $2,520 | $3,214-21.6% | $5,453-53.8% | $4,139-39.1% |
| Admin fee / account holder | $8,537 | $6,352+34.4% | $14,116-39.5% | $7,234+18.0% |