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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 | $59,332 | $87,132-31.9% | $105,624-43.8% | $80,959-26.7% |
| Participation rate | 37.9% | 70.4%-32.5pp | 75.3%-37.4pp | 67.7%-29.8pp |
| Annual return | 9.33% | 17.03%-7.7pp | 116.20%-106.9pp | 35.67%-26.3pp |
| Employer contribution / active EE | $1,062 | $2,397-55.7% | $3,168-66.5% | $2,757-61.5% |
| Participant deferral / active EE | $1,711 | $3,985-57.1% | $5,013-65.9% | $4,300-60.2% |
| Admin fee / account holder | $3,728 | $8,449-55.9% | $10,961-66.0% | $6,925-46.2% |