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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 | $37,274 | $106,864-65.1% | $147,318-74.7% | $82,637-54.9% |
| Participation rate | 46.0% | 75.5%-29.5pp | 82.1%-36.1pp | 68.1%-22.1pp |
| Annual return | 13.67% | 27.49%-13.8pp | 70.43%-56.8pp | 53.51%-39.8pp |
| Employer contribution / active EE | $1,192 | $3,417-65.1% | $4,593-74.0% | $2,552-53.3% |
| Participant deferral / active EE | $3,411 | $6,496-47.5% | $7,906-56.9% | $4,126-17.3% |
| Admin fee / account holder | $10,002 | $8,415+18.9% | $13,708-27.0% | $7,339+36.3% |