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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 | $106,524-65.1% | $152,301-75.6% | $87,485-57.5% |
| Participation rate | 44.6% | 75.8%-31.2pp | 82.4%-37.9pp | 68.9%-24.4pp |
| Annual return | 13.20% | 26.89%-13.7pp | 80.50%-67.3pp | 26.06%-12.9pp |
| Employer contribution / active EE | $1,404 | $3,371-58.4% | $4,624-69.6% | $2,596-45.9% |
| Participant deferral / active EE | $3,114 | $6,525-52.3% | $8,004-61.1% | $4,274-27.1% |
| Admin fee / account holder | $2,422 | $8,287-70.8% | $14,398-83.2% | $7,775-68.8% |