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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 | $71,208-12.9% | $93,681-33.8% | $80,911-23.3% |
| Participation rate | 42.6% | 60.4%-17.8pp | 68.7%-26.2pp | 67.6%-25.1pp |
| Annual return | 2.29% | 11.27%-9.0pp | 133.47%-131.2pp | 35.63%-33.3pp |
| Employer contribution / active EE | $1,278 | $1,564-18.3% | $2,422-47.2% | $2,756-53.6% |
| Participant deferral / active EE | $2,137 | $4,035-47.0% | $4,415-51.6% | $4,297-50.3% |
| Admin fee / account holder | $2,362 | $6,951-66.0% | $8,290-71.5% | $6,935-65.9% |