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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 | $36,595 | $45,343-19.3% | $150,298-75.7% | $67,986-46.2% |
| Participation rate | 21.6% | 51.9%-30.2pp | 77.8%-56.1pp | 57.2%-35.6pp |
| Annual return | 6.48% | 33.28%-26.8pp | 62.79%-56.3pp | 31.67%-25.2pp |
| Employer contribution / active EE | $990 | $1,462-32.3% | $4,154-76.2% | $2,019-51.0% |
| Participant deferral / active EE | $1,397 | $2,055-32.0% | $5,453-74.4% | $3,358-58.4% |
| Admin fee / account holder | $1,533 | $2,250-31.9% | $14,116-89.1% | $3,203-52.1% |