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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 | $31,696 | $77,908-59.3% | $149,696-78.8% | $75,173-57.8% |
| Participation rate | 34.3% | 65.6%-31.3pp | 78.8%-44.5pp | 67.2%-32.9pp |
| Annual return | 9.58% | 31.73%-22.1pp | 134.46%-124.9pp | 160.72%-151.1pp |
| Employer contribution / active EE | $1,182 | $3,138-62.3% | $4,821-75.5% | $2,671-55.7% |
| Participant deferral / active EE | $2,557 | $3,411-25.0% | $5,682-55.0% | $4,126-38.0% |
| Admin fee / account holder | $1,167 | $5,950-80.4% | $13,212-91.2% | $5,651-79.3% |