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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 | $37,144 | $106,749-65.2% | $145,433-74.5% | $82,448-54.9% |
| Participation rate | 44.6% | 75.6%-31.1pp | 82.1%-37.5pp | 68.1%-23.5pp |
| Annual return | 13.20% | 27.59%-14.4pp | 66.58%-53.4pp | 41.64%-28.4pp |
| Employer contribution / active EE | $1,404 | $3,444-59.2% | $4,554-69.2% | $2,551-45.0% |
| Participant deferral / active EE | $3,114 | $6,519-52.2% | $7,897-60.6% | $4,139-24.8% |
| Admin fee / account holder | $2,422 | $8,390-71.1% | $13,129-81.6% | $7,234-66.5% |