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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 | $36,783 | $111,814-67.1% | $103,378-64.4% | $145,978-74.8% |
| Participation rate | 43.8% | 77.9%-34.2pp | 74.5%-30.8pp | 80.3%-36.5pp |
| Annual return | 8.85% | 24.80%-15.9pp | 24.91%-16.1pp | 550.52%-541.7pp |
| Employer contribution / active EE | $1,011 | $4,215-76.0% | $3,870-73.9% | $4,662-78.3% |
| Participant deferral / active EE | $2,539 | $5,618-54.8% | $5,058-49.8% | $6,690-62.0% |
| Admin fee / account holder | $3,136 | $9,764-67.9% | $8,401-62.7% | $13,400-76.6% |