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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 | $38,824 | $57,590-32.6% | $86,233-55.0% | $82,448-52.9% |
| Participation rate | 55.2% | 57.9%-2.7pp | 69.0%-13.8pp | 68.1%-12.9pp |
| Annual return | 12.24% | 22.41%-10.2pp | 61.39%-49.2pp | 41.64%-29.4pp |
| Employer contribution / active EE | $1,395 | $1,655-15.7% | $2,504-44.3% | $2,551-45.3% |
| Participant deferral / active EE | $2,804 | $3,080-9.0% | $4,559-38.5% | $4,139-32.3% |
| Admin fee / account holder | $1,443 | $4,730-69.5% | $8,342-82.7% | $7,234-80.1% |