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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 | $75,199 | $76,407-1.6% | $150,298-50.0% | $82,448-8.8% |
| Participation rate | 40.0% | 66.4%-26.4pp | 77.8%-37.8pp | 68.1%-28.1pp |
| Annual return | 12.55% | 39.99%-27.4pp | 62.79%-50.2pp | 41.64%-29.1pp |
| Employer contribution / active EE | $1,176 | $2,614-55.0% | $4,154-71.7% | $2,551-53.9% |
| Participant deferral / active EE | $1,845 | $3,214-42.6% | $5,453-66.2% | $4,139-55.4% |
| Admin fee / account holder | $1,016 | $6,352-84.0% | $14,116-92.8% | $7,234-86.0% |