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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 | $56,493 | $71,215-20.7% | $93,696-39.7% | $80,935-30.2% |
| Participation rate | 35.9% | 60.4%-24.5pp | 68.7%-32.8pp | 67.7%-31.8pp |
| Annual return | 7.77% | 11.27%-3.5pp | 133.74%-126.0pp | 35.66%-27.9pp |
| Employer contribution / active EE | $1,207 | $1,565-22.9% | $2,422-50.2% | $2,757-56.2% |
| Participant deferral / active EE | $1,987 | $4,037-50.8% | $4,417-55.0% | $4,299-53.8% |
| Admin fee / account holder | $2,203 | $6,958-68.3% | $8,287-73.4% | $6,924-68.2% |