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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 | $38,616 | $84,953-54.5% | $163,379-76.4% | $82,637-53.3% |
| Participation rate | 50.0% | 65.9%-15.9pp | 76.8%-26.8pp | 68.1%-18.1pp |
| Annual return | 11.43% | 23.07%-11.6pp | 63.41%-52.0pp | 53.51%-42.1pp |
| Employer contribution / active EE | $1,374 | $2,183-37.0% | $3,752-63.4% | $2,552-46.1% |
| Participant deferral / active EE | $3,385 | $4,326-21.8% | $6,282-46.1% | $4,126-18.0% |
| Admin fee / account holder | $9,850 | $7,921+24.4% | $9,818+0.3% | $7,339+34.2% |