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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 | $32,474 | $71,197-54.4% | $93,669-65.3% | $80,925-59.9% |
| Participation rate | 46.9% | 60.4%-13.5pp | 68.7%-21.9pp | 67.7%-20.8pp |
| Annual return | 8.24% | 11.27%-3.0pp | 133.59%-125.4pp | 35.65%-27.4pp |
| Employer contribution / active EE | $1,279 | $1,565-18.3% | $2,424-47.2% | $2,756-53.6% |
| Participant deferral / active EE | $3,782 | $4,036-6.3% | $4,416-14.3% | $4,299-12.0% |
| Admin fee / account holder | $5,253 | $6,959-24.5% | $8,291-36.6% | $6,940-24.3% |