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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 | $30,816 | $74,535-58.7% | $100,712-69.4% | $82,637-62.7% |
| Participation rate | 59.0% | 61.2%-2.2pp | 69.3%-10.3pp | 68.1%-9.1pp |
| Annual return | 4.85% | 18.92%-14.1pp | 33.27%-28.4pp | 53.51%-48.7pp |
| Employer contribution / active EE | $1,318 | $1,503-12.3% | $2,313-43.0% | $2,552-48.3% |
| Participant deferral / active EE | $1,984 | $3,074-35.4% | $4,085-51.4% | $4,126-51.9% |
| Admin fee / account holder | $1,185 | $6,576-82.0% | $9,256-87.2% | $7,339-83.9% |