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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 | $28,548 | $60,349-52.7% | $74,184-61.5% | $62,881-54.6% |
| Participation rate | 61.5% | 72.7%-11.2pp | 76.6%-15.1pp | 69.3%-7.8pp |
| Annual return | 3.90% | 21.38%-17.5pp | 17.74%-13.8pp | 20.14%-16.2pp |
| Employer contribution / active EE | $1,482 | $1,680-11.8% | $2,370-37.5% | $2,281-35.0% |
| Participant deferral / active EE | $2,841 | $2,856-0.5% | $3,550-20.0% | $3,203-11.3% |
| Admin fee / account holder | $2,771 | $4,261-35.0% | $5,586-50.4% | $4,296-35.5% |