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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 | $42,881 | $98,652-56.5% | $142,942-70.0% | $82,448-48.0% |
| Participation rate | 38.3% | 72.8%-34.4pp | 76.8%-38.5pp | 68.1%-29.7pp |
| Annual return | 9.99% | 22.65%-12.7pp | 113.70%-103.7pp | 41.64%-31.6pp |
| Employer contribution / active EE | $1,583 | $3,211-50.7% | $4,139-61.8% | $2,551-37.9% |
| Participant deferral / active EE | $2,820 | $5,580-49.5% | $7,128-60.4% | $4,139-31.9% |
| Admin fee / account holder | $670 | $8,078-91.7% | $12,475-94.6% | $7,234-90.7% |