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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 | $45,578 | $51,642-11.7% | $129,384-64.8% | $80,935-43.7% |
| Participation rate | 34.0% | 56.9%-23.0pp | 69.6%-35.7pp | 67.7%-33.7pp |
| Annual return | 11.03% | 20.78%-9.8pp | 9461.77%-9450.7pp | 35.66%-24.6pp |
| Employer contribution / active EE | $513 | $1,583-67.6% | $4,153-87.6% | $2,757-81.4% |
| Participant deferral / active EE | $1,613 | $2,670-39.6% | $4,166-61.3% | $4,299-62.5% |
| Admin fee / account holder | $664 | $4,312-84.6% | $7,686-91.4% | $6,924-90.4% |