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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 | $38,950 | $110,410-64.7% | $102,437-62.0% | $145,897-73.3% |
| Participation rate | 60.9% | 77.9%-17.1pp | 74.5%-13.6pp | 80.3%-19.4pp |
| Annual return | 7.98% | 24.85%-16.9pp | 24.95%-17.0pp | 552.29%-544.3pp |
| Employer contribution / active EE | $1,694 | $4,217-59.8% | $3,871-56.2% | $4,663-63.7% |
| Participant deferral / active EE | $4,094 | $5,622-27.2% | $5,060-19.1% | $6,689-38.8% |
| Admin fee / account holder | $3,935 | $9,745-59.6% | $8,388-53.1% | $13,390-70.6% |