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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 | $36,497 | $45,698-20.1% | $61,048-40.2% | $72,975-50.0% |
| Participation rate | 46.7% | 74.3%-27.6pp | 79.3%-32.6pp | 69.5%-22.8pp |
| Annual return | 13.74% | 20.14%-6.4pp | 26.18%-12.4pp | 81.01%-67.3pp |
| Employer contribution / active EE | $1,601 | $2,803-42.9% | $3,716-56.9% | $2,440-34.4% |
| Participant deferral / active EE | $1,041 | $3,264-68.1% | $4,470-76.7% | $3,608-71.2% |
| Admin fee / account holder | $2,417 | $3,347-27.8% | $3,728-35.2% | $5,124-52.8% |