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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 | $29,724 | $54,757-45.7% | $90,304-67.1% | $72,975-59.3% |
| Participation rate | 56.3% | 65.2%-8.8pp | 73.3%-16.9pp | 69.5%-13.2pp |
| Annual return | 3.84% | 30.63%-26.8pp | 78.13%-74.3pp | 81.01%-77.2pp |
| Employer contribution / active EE | $1,505 | $2,093-28.1% | $2,855-47.3% | $2,440-38.3% |
| Participant deferral / active EE | $1,645 | $2,887-43.0% | $3,885-57.7% | $3,608-54.4% |
| Admin fee / account holder | $2,832 | $3,973-28.7% | $5,354-47.1% | $5,124-44.7% |