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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 | $68,414 | $80,748-15.3% | $102,383-33.2% | $74,429-8.1% |
| Participation rate | 32.2% | 65.7%-33.4pp | 74.5%-42.3pp | 67.2%-35.0pp |
| Annual return | 8.61% | 27.57%-19.0pp | 24.94%-16.3pp | 1368.38%-1359.8pp |
| Employer contribution / active EE | $1,058 | $3,159-66.5% | $3,870-72.7% | $2,625-59.7% |
| Participant deferral / active EE | $3,152 | $3,861-18.4% | $5,060-37.7% | $4,348-27.5% |
| Admin fee / account holder | $3,840 | $2,371+62.0% | $8,391-54.2% | $1,944+97.5% |