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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 | $40,050 | $108,825-63.2% | $156,181-74.4% | $82,448-51.4% |
| Participation rate | 61.9% | 72.4%-10.5pp | 78.8%-16.9pp | 68.1%-6.2pp |
| Annual return | 10.74% | 20.59%-9.9pp | 64.87%-54.1pp | 41.64%-30.9pp |
| Employer contribution / active EE | $1,461 | $2,870-49.1% | $4,294-66.0% | $2,551-42.7% |
| Participant deferral / active EE | $3,510 | $4,577-23.3% | $6,132-42.8% | $4,139-15.2% |
| Admin fee / account holder | $27,568 | $9,341+195.1% | $14,586+89.0% | $7,234+281.1% |