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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 | $57,867 | $72,269-19.9% | $101,271-42.9% | $79,852-27.5% |
| Participation rate | 57.6% | 68.5%-10.9pp | 75.8%-18.2pp | 69.6%-12.1pp |
| Annual return | 8.47% | 22.29%-13.8pp | 46.48%-38.0pp | 31.72%-23.2pp |
| Employer contribution / active EE | $1,376 | $2,692-48.9% | $3,660-62.4% | $2,471-44.3% |
| Participant deferral / active EE | $3,122 | $3,282-4.9% | $4,371-28.6% | $3,740-16.5% |
| Admin fee / account holder | $782 | $4,401-82.2% | $5,948-86.9% | $5,306-85.3% |