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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 | $42,266 | $62,166-32.0% | $81,286-48.0% | $74,429-43.2% |
| Participation rate | 60.0% | 64.1%-4.1pp | 69.5%-9.5pp | 67.2%-7.2pp |
| Annual return | 9.65% | 16.50%-6.8pp | 24.80%-15.1pp | 1368.38%-1358.7pp |
| Employer contribution / active EE | $645 | $1,881-65.7% | $2,463-73.8% | $2,625-75.4% |
| Participant deferral / active EE | $1,378 | $3,223-57.2% | $3,883-64.5% | $4,348-68.3% |
| Admin fee / account holder | $3,489 | $1,925+81.3% | $5,764-39.5% | $1,944+79.5% |