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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 | $18,891 | $78,013-75.8% | $178,449-89.4% | $80,911-76.7% |
| Participation rate | 61.7% | 65.7%-4.0pp | 77.1%-15.4pp | 67.6%-5.9pp |
| Annual return | 3.22% | 18.07%-14.9pp | 27.09%-23.9pp | 35.63%-32.4pp |
| Employer contribution / active EE | $1,095 | $2,287-52.1% | $3,951-72.3% | $2,756-60.3% |
| Participant deferral / active EE | $1,676 | $4,408-62.0% | $6,277-73.3% | $4,297-61.0% |
| Admin fee / account holder | $1,573 | $7,166-78.1% | $10,362-84.8% | $6,935-77.3% |