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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 | $29,753 | $59,440-49.9% | $78,004-61.9% | $82,637-64.0% |
| Participation rate | 45.5% | 62.8%-17.4pp | 69.4%-24.0pp | 68.1%-22.6pp |
| Annual return | 7.27% | 40.24%-33.0pp | 31.07%-23.8pp | 53.51%-46.2pp |
| Employer contribution / active EE | $1,189 | $1,750-32.1% | $2,469-51.9% | $2,552-53.4% |
| Participant deferral / active EE | $2,829 | $3,138-9.9% | $4,092-30.9% | $4,126-31.4% |
| Admin fee / account holder | $2,333 | $5,504-57.6% | $7,578-69.2% | $7,339-68.2% |