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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 | $38,963 | $81,504-52.2% | $102,437-62.0% | $80,959-51.9% |
| Participation rate | 63.4% | 66.9%-3.4pp | 74.5%-11.1pp | 67.7%-4.3pp |
| Annual return | 6.05% | 25.60%-19.5pp | 24.95%-18.9pp | 35.67%-29.6pp |
| Employer contribution / active EE | $1,117 | $3,104-64.0% | $3,871-71.1% | $2,757-59.5% |
| Participant deferral / active EE | $2,424 | $3,871-37.4% | $5,060-52.1% | $4,300-43.6% |
| Admin fee / account holder | $21,337 | $6,719+217.5% | $8,388+154.4% | $6,925+208.1% |