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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 | $62,389 | $75,541-17.4% | $152,093-59.0% | $82,637-24.5% |
| Participation rate | 40.0% | 66.5%-26.5pp | 77.8%-37.8pp | 68.1%-28.1pp |
| Annual return | 12.96% | 32.56%-19.6pp | 66.36%-53.4pp | 53.51%-40.5pp |
| Employer contribution / active EE | $1,292 | $2,622-50.7% | $4,175-69.1% | $2,552-49.4% |
| Participant deferral / active EE | $2,266 | $3,206-29.3% | $5,451-58.4% | $4,126-45.1% |
| Admin fee / account holder | $10,982 | $6,405+71.5% | $14,497-24.2% | $7,339+49.6% |