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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 | $36,167 | $65,041-44.4% | $90,965-60.2% | $79,858-54.7% |
| Participation rate | 44.0% | 61.6%-17.6pp | 69.0%-25.0pp | 69.6%-25.6pp |
| Annual return | 5.16% | 30.45%-25.3pp | 134.57%-129.4pp | 31.72%-26.6pp |
| Employer contribution / active EE | $1,195 | $1,247-4.2% | $2,122-43.7% | $2,471-51.6% |
| Participant deferral / active EE | $1,817 | $2,512-27.7% | $3,373-46.1% | $3,740-51.4% |
| Admin fee / account holder | $5,097 | $4,536+12.4% | $5,960-14.5% | $5,306-3.9% |