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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 | $38,752 | $106,524-63.6% | $152,301-74.6% | $87,485-55.7% |
| Participation rate | 56.5% | 75.8%-19.2pp | 82.4%-25.9pp | 68.9%-12.4pp |
| Annual return | 12.48% | 26.89%-14.4pp | 80.50%-68.0pp | 26.06%-13.6pp |
| Employer contribution / active EE | $1,289 | $3,371-61.8% | $4,624-72.1% | $2,596-50.4% |
| Participant deferral / active EE | $2,745 | $6,525-57.9% | $8,004-65.7% | $4,274-35.8% |
| Admin fee / account holder | $1,368 | $8,287-83.5% | $14,398-90.5% | $7,775-82.4% |