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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 | $26,660 | $74,535-64.2% | $100,712-73.5% | $82,637-67.7% |
| Participation rate | 58.7% | 61.2%-2.5pp | 69.3%-10.6pp | 68.1%-9.4pp |
| Annual return | 5.96% | 18.92%-13.0pp | 33.27%-27.3pp | 53.51%-47.5pp |
| Employer contribution / active EE | $1,457 | $1,503-3.0% | $2,313-37.0% | $2,552-42.9% |
| Participant deferral / active EE | $1,935 | $3,074-37.1% | $4,085-52.6% | $4,126-53.1% |
| Admin fee / account holder | $2,953 | $6,576-55.1% | $9,256-68.1% | $7,339-59.8% |