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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 | $35,552 | $62,672-43.3% | $185,117-80.8% | $70,126-49.3% |
| Participation rate | 21.8% | 63.8%-42.0pp | 77.3%-55.4pp | 69.5%-47.7pp |
| Annual return | 11.76% | 40.79%-29.0pp | 40.50%-28.7pp | 73.15%-61.4pp |
| Employer contribution / active EE | $1,196 | $1,753-31.8% | $4,182-71.4% | $2,343-49.0% |
| Participant deferral / active EE | $1,374 | $3,272-58.0% | $5,045-72.8% | $3,332-58.8% |
| Admin fee / account holder | $879 | $3,932-77.6% | $8,159-89.2% | $4,645-81.1% |