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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 | $38,718 | $80,992-52.2% | $96,534-59.9% | $75,173-48.5% |
| Participation rate | 50.0% | 71.8%-21.8pp | 76.0%-26.0pp | 67.2%-17.2pp |
| Annual return | 12.70% | 27.05%-14.3pp | 25.88%-13.2pp | 160.72%-148.0pp |
| Employer contribution / active EE | $1,215 | $2,283-46.8% | $2,965-59.0% | $2,671-54.5% |
| Participant deferral / active EE | $2,462 | $3,929-37.3% | $4,851-49.2% | $4,126-40.3% |
| Admin fee / account holder | $3,237 | $6,717-51.8% | $8,253-60.8% | $5,651-42.7% |