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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 | $65,695 | $80,992-18.9% | $96,534-31.9% | $75,173-12.6% |
| Participation rate | 38.7% | 71.8%-33.1pp | 76.0%-37.3pp | 67.2%-28.5pp |
| Annual return | 12.32% | 27.05%-14.7pp | 25.88%-13.6pp | 160.72%-148.4pp |
| Employer contribution / active EE | $1,071 | $2,283-53.1% | $2,965-63.9% | $2,671-59.9% |
| Participant deferral / active EE | $2,332 | $3,929-40.7% | $4,851-51.9% | $4,126-43.5% |
| Admin fee / account holder | $1,726 | $6,717-74.3% | $8,253-79.1% | $5,651-69.5% |