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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 | $38,552 | $72,471-46.8% | $94,215-59.1% | $86,983-55.7% |
| Participation rate | 57.3% | 63.9%-6.6pp | 70.0%-12.6pp | 69.5%-12.2pp |
| Annual return | 8.03% | 26.44%-18.4pp | 28.22%-20.2pp | 25.83%-17.8pp |
| Employer contribution / active EE | $649 | $1,936-66.5% | $2,675-75.7% | $2,584-74.9% |
| Participant deferral / active EE | $2,022 | $3,397-40.5% | $4,276-52.7% | $4,194-51.8% |
| Admin fee / account holder | $1,515 | $6,468-76.6% | $10,216-85.2% | $7,856-80.7% |