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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 | $47,137 | $58,851-19.9% | $115,170-59.1% | $72,975-35.4% |
| Participation rate | 37.2% | 65.5%-28.3pp | 75.9%-38.7pp | 69.5%-32.3pp |
| Annual return | 1.76% | 23.16%-21.4pp | 35.60%-33.8pp | 81.01%-79.3pp |
| Employer contribution / active EE | $1,053 | $1,798-41.4% | $3,179-66.9% | $2,440-56.8% |
| Participant deferral / active EE | $1,816 | $2,643-31.3% | $4,169-56.4% | $3,608-49.7% |
| Admin fee / account holder | $2,193 | $6,370-65.6% | $7,089-69.1% | $5,124-57.2% |