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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 | $27,740 | $81,358-65.9% | $155,556-82.2% | $80,959-65.7% |
| Participation rate | 43.0% | 66.3%-23.2pp | 78.2%-35.2pp | 67.7%-24.6pp |
| Annual return | 10.38% | 33.39%-23.0pp | 64.84%-54.5pp | 35.67%-25.3pp |
| Employer contribution / active EE | $1,358 | $3,106-56.3% | $4,675-71.0% | $2,757-50.7% |
| Participant deferral / active EE | $2,088 | $3,455-39.6% | $5,631-62.9% | $4,300-51.4% |
| Admin fee / account holder | $4,439 | $7,994-44.5% | $15,885-72.1% | $6,925-35.9% |