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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 | $56,063-39.5% | $76,051-55.4% | $80,911-58.1% |
| Participation rate | 39.1% | 62.0%-22.9pp | 69.1%-29.9pp | 67.6%-28.5pp |
| Annual return | 9.84% | 20.54%-10.7pp | 360.42%-350.6pp | 35.63%-25.8pp |
| Employer contribution / active EE | $1,563 | $1,874-16.6% | $2,690-41.9% | $2,756-43.3% |
| Participant deferral / active EE | $2,828 | $3,052-7.3% | $4,257-33.6% | $4,297-34.2% |
| Admin fee / account holder | $6,238 | $5,240+19.1% | $6,416-2.8% | $6,935-10.0% |