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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 | $33,392 | $77,814-57.1% | $158,223-78.9% | $86,983-61.6% |
| Participation rate | 46.7% | 68.4%-21.7pp | 79.2%-32.5pp | 69.5%-22.9pp |
| Annual return | 6.94% | 30.54%-23.6pp | 52.09%-45.2pp | 25.83%-18.9pp |
| Employer contribution / active EE | $1,288 | $2,592-50.3% | $4,109-68.7% | $2,584-50.2% |
| Participant deferral / active EE | $1,931 | $3,270-40.9% | $5,467-64.7% | $4,194-54.0% |
| Admin fee / account holder | $4,317 | $5,879-26.6% | $16,047-73.1% | $7,856-45.0% |