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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 | $55,876 | $78,690-29.0% | $161,489-65.4% | $87,485-36.1% |
| Participation rate | 37.5% | 67.5%-30.0pp | 78.7%-41.2pp | 68.9%-31.4pp |
| Annual return | 11.35% | 32.74%-21.4pp | 89.72%-78.4pp | 26.06%-14.7pp |
| Employer contribution / active EE | $1,106 | $2,588-57.3% | $4,268-74.1% | $2,596-57.4% |
| Participant deferral / active EE | $1,858 | $3,311-43.9% | $5,630-67.0% | $4,274-56.5% |
| Admin fee / account holder | $1,447 | $6,724-78.5% | $16,006-91.0% | $7,775-81.4% |