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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 | $50,192 | $78,013-35.7% | $178,449-71.9% | $80,911-38.0% |
| Participation rate | 39.3% | 65.7%-26.4pp | 77.1%-37.8pp | 67.6%-28.4pp |
| Annual return | 6.14% | 18.07%-11.9pp | 27.09%-20.9pp | 35.63%-29.5pp |
| Employer contribution / active EE | $1,023 | $2,287-55.3% | $3,951-74.1% | $2,756-62.9% |
| Participant deferral / active EE | $2,471 | $4,408-43.9% | $6,277-60.6% | $4,297-42.5% |
| Admin fee / account holder | $564 | $7,166-92.1% | $10,362-94.6% | $6,935-91.9% |