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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 | $31,030 | $51,604-39.9% | $129,295-76.0% | $80,874-61.6% |
| Participation rate | 39.3% | 57.0%-17.7pp | 69.6%-30.3pp | 67.6%-28.4pp |
| Annual return | 10.47% | 20.76%-10.3pp | 9429.28%-9418.8pp | 35.62%-25.1pp |
| Employer contribution / active EE | $671 | $1,585-57.7% | $4,157-83.9% | $2,756-75.7% |
| Participant deferral / active EE | $3,474 | $2,670+30.1% | $4,169-16.7% | $4,297-19.1% |
| Admin fee / account holder | $1,841 | $4,310-57.3% | $7,665-76.0% | $6,935-73.5% |