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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 | $65,056 | $73,107-11.0% | $114,563-43.2% | $87,485-25.6% |
| Participation rate | 31.3% | 65.8%-34.5pp | 72.9%-41.7pp | 68.9%-37.7pp |
| Annual return | 12.31% | 19.47%-7.2pp | 241.09%-228.8pp | 26.06%-13.8pp |
| Employer contribution / active EE | $624 | $1,881-66.8% | $2,592-75.9% | $2,596-75.9% |
| Participant deferral / active EE | $1,081 | $3,144-65.6% | $4,142-73.9% | $4,274-74.7% |
| Admin fee / account holder | $5,449 | $5,770-5.6% | $7,623-28.5% | $7,775-29.9% |