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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 | $72,211 | $106,864-32.4% | $147,318-51.0% | $82,637-12.6% |
| Participation rate | 44.6% | 75.5%-30.9pp | 82.1%-37.4pp | 68.1%-23.4pp |
| Annual return | 13.98% | 27.49%-13.5pp | 70.43%-56.5pp | 53.51%-39.5pp |
| Employer contribution / active EE | $1,365 | $3,417-60.0% | $4,593-70.3% | $2,552-46.5% |
| Participant deferral / active EE | $3,386 | $6,496-47.9% | $7,906-57.2% | $4,126-17.9% |
| Admin fee / account holder | $6,787 | $8,415-19.3% | $13,708-50.5% | $7,339-7.5% |