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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 | $70,594 | $81,331-13.2% | $155,534-54.6% | $80,935-12.8% |
| Participation rate | 18.2% | 66.3%-48.1pp | 78.2%-60.0pp | 67.7%-49.5pp |
| Annual return | 1.98% | 33.37%-31.4pp | 64.92%-62.9pp | 35.66%-33.7pp |
| Employer contribution / active EE | $1,038 | $3,105-66.6% | $4,675-77.8% | $2,757-62.4% |
| Participant deferral / active EE | $2,127 | $3,454-38.4% | $5,630-62.2% | $4,299-50.5% |
| Admin fee / account holder | $1,362 | $7,999-83.0% | $15,900-91.4% | $6,924-80.3% |