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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 | $35,778 | $57,541-37.8% | $95,759-62.6% | $75,177-52.4% |
| Participation rate | 39.5% | 62.5%-23.0pp | 72.3%-32.7pp | 67.2%-27.7pp |
| Annual return | 12.77% | 34.93%-22.2pp | 28.42%-15.6pp | 160.75%-148.0pp |
| Employer contribution / active EE | $687 | $1,808-62.0% | $2,836-75.8% | $2,671-74.3% |
| Participant deferral / active EE | $1,354 | $3,074-56.0% | $4,244-68.1% | $4,126-67.2% |
| Admin fee / account holder | $5,642 | $4,099+37.7% | $5,678-0.6% | $5,651-0.2% |