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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 | $37,769 | $81,358-53.6% | $155,556-75.7% | $80,959-53.3% |
| Participation rate | 31.3% | 66.3%-35.0pp | 78.2%-47.0pp | 67.7%-36.4pp |
| Annual return | 7.65% | 33.39%-25.7pp | 64.84%-57.2pp | 35.67%-28.0pp |
| Employer contribution / active EE | $680 | $3,106-78.1% | $4,675-85.5% | $2,757-75.3% |
| Participant deferral / active EE | $1,585 | $3,455-54.1% | $5,631-71.9% | $4,300-63.1% |
| Admin fee / account holder | $3,803 | $7,994-52.4% | $15,885-76.1% | $6,925-45.1% |