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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 | $55,218 | $81,358-32.1% | $155,556-64.5% | $80,959-31.8% |
| Participation rate | 29.8% | 66.3%-36.5pp | 78.2%-48.4pp | 67.7%-37.9pp |
| Annual return | 6.28% | 33.39%-27.1pp | 64.84%-58.6pp | 35.67%-29.4pp |
| Employer contribution / active EE | $696 | $3,106-77.6% | $4,675-85.1% | $2,757-74.8% |
| Participant deferral / active EE | $1,894 | $3,455-45.2% | $5,631-66.4% | $4,300-56.0% |
| Admin fee / account holder | $2,987 | $7,994-62.6% | $15,885-81.2% | $6,925-56.9% |