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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 | $73,367 | $103,393-29.0% | $87,103-15.8% | $152,909-52.0% |
| Participation rate | 52.4% | 79.4%-27.0pp | 76.9%-24.5pp | 82.5%-30.1pp |
| Annual return | 1.59% | 28.10%-26.5pp | 28.19%-26.6pp | 345.46%-343.9pp |
| Employer contribution / active EE | $1,737 | $3,221-46.1% | $2,521-31.1% | $4,764-63.5% |
| Participant deferral / active EE | $2,397 | $4,778-49.8% | $4,049-40.8% | $5,851-59.0% |
| Admin fee / account holder | $1,787 | $12,195-85.3% | $7,491-76.1% | $11,601-84.6% |