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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 | $28,657 | $78,027-63.3% | $178,528-83.9% | $80,925-64.6% |
| Participation rate | 51.7% | 65.7%-13.9pp | 77.1%-25.4pp | 67.7%-15.9pp |
| Annual return | 9.86% | 18.09%-8.2pp | 27.11%-17.3pp | 35.65%-25.8pp |
| Employer contribution / active EE | $1,277 | $2,281-44.0% | $3,950-67.7% | $2,756-53.7% |
| Participant deferral / active EE | $1,418 | $4,408-67.8% | $6,278-77.4% | $4,299-67.0% |
| Admin fee / account holder | $4,935 | $7,168-31.2% | $10,419-52.6% | $6,940-28.9% |