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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 | $39,449 | $51,166-22.9% | $70,544-44.1% | $71,511-44.8% |
| Participation rate | 37.0% | 59.4%-22.3pp | 68.4%-31.3pp | 67.9%-30.9pp |
| Annual return | 10.00% | 42.71%-32.7pp | 32.79%-22.8pp | 28.86%-18.9pp |
| Employer contribution / active EE | $1,472 | $1,793-17.9% | $2,976-50.5% | $2,589-43.2% |
| Participant deferral / active EE | $2,009 | $3,031-33.7% | $4,568-56.0% | $4,291-53.2% |
| Admin fee / account holder | $4,498 | $2,000+124.9% | $6,427-30.0% | $1,588+183.2% |