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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 | $34,678 | $77,814-55.4% | $158,223-78.1% | $86,983-60.1% |
| Participation rate | 59.0% | 68.4%-9.4pp | 79.2%-20.2pp | 69.5%-10.6pp |
| Annual return | 11.91% | 30.54%-18.6pp | 52.09%-40.2pp | 25.83%-13.9pp |
| Employer contribution / active EE | $1,277 | $2,592-50.7% | $4,109-68.9% | $2,584-50.6% |
| Participant deferral / active EE | $3,019 | $3,270-7.7% | $5,467-44.8% | $4,194-28.0% |
| Admin fee / account holder | $2,595 | $5,879-55.9% | $16,047-83.8% | $7,856-67.0% |