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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 | $62,039 | $91,559-32.2% | $133,978-53.7% | $79,856-22.3% |
| Participation rate | 31.0% | 73.3%-42.4pp | 79.8%-48.9pp | 69.6%-38.7pp |
| Annual return | 8.60% | 61.85%-53.3pp | 45.10%-36.5pp | 31.71%-23.1pp |
| Employer contribution / active EE | $1,568 | $2,384-34.2% | $3,919-60.0% | $2,471-36.6% |
| Participant deferral / active EE | $2,530 | $3,734-32.3% | $5,047-49.9% | $3,741-32.4% |
| Admin fee / account holder | $1,816 | $6,321-71.3% | $8,930-79.7% | $5,306-65.8% |