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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 | $36,810 | $87,106-57.7% | $105,607-65.1% | $80,935-54.5% |
| Participation rate | 24.7% | 70.4%-45.7pp | 75.3%-50.5pp | 67.7%-42.9pp |
| Annual return | 7.03% | 17.01%-10.0pp | 116.11%-109.1pp | 35.66%-28.6pp |
| Employer contribution / active EE | $1,397 | $2,396-41.7% | $3,167-55.9% | $2,757-49.3% |
| Participant deferral / active EE | $2,812 | $3,986-29.5% | $5,011-43.9% | $4,299-34.6% |
| Admin fee / account holder | $8,198 | $8,447-2.9% | $10,958-25.2% | $6,924+18.4% |