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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 | $62,032 | $71,215-12.9% | $93,696-33.8% | $80,935-23.4% |
| Participation rate | 42.6% | 60.4%-17.8pp | 68.7%-26.2pp | 67.7%-25.1pp |
| Annual return | 2.29% | 11.27%-9.0pp | 133.74%-131.5pp | 35.66%-33.4pp |
| Employer contribution / active EE | $1,278 | $1,565-18.3% | $2,422-47.2% | $2,757-53.6% |
| Participant deferral / active EE | $2,137 | $4,037-47.1% | $4,417-51.6% | $4,299-50.3% |
| Admin fee / account holder | $2,362 | $6,958-66.1% | $8,287-71.5% | $6,924-65.9% |