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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 | $33,935 | $55,902-39.3% | $76,030-55.4% | $80,959-58.1% |
| Participation rate | 39.1% | 62.1%-22.9pp | 69.1%-29.9pp | 67.7%-28.5pp |
| Annual return | 9.84% | 20.59%-10.8pp | 361.54%-351.7pp | 35.67%-25.8pp |
| Employer contribution / active EE | $1,563 | $1,867-16.3% | $2,688-41.8% | $2,757-43.3% |
| Participant deferral / active EE | $2,828 | $3,051-7.3% | $4,257-33.6% | $4,300-34.2% |
| Admin fee / account holder | $6,238 | $5,239+19.1% | $6,421-2.8% | $6,925-9.9% |