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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 | $57,874 | $52,279+10.7% | $89,400-35.3% | $79,858-27.5% |
| Participation rate | 38.1% | 57.5%-19.4pp | 68.0%-29.9pp | 69.6%-31.5pp |
| Annual return | 4.29% | 22.16%-17.9pp | 245.64%-241.3pp | 31.72%-27.4pp |
| Employer contribution / active EE | $728 | $1,572-53.6% | $2,586-71.8% | $2,471-70.5% |
| Participant deferral / active EE | $1,581 | $2,740-42.3% | $3,890-59.4% | $3,740-57.7% |
| Admin fee / account holder | $1,017 | $3,356-69.7% | $4,882-79.2% | $5,306-80.8% |