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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 | $59,177 | $78,690-24.8% | $161,489-63.4% | $87,485-32.4% |
| Participation rate | 38.1% | 67.5%-29.4pp | 78.7%-40.6pp | 68.9%-30.8pp |
| Annual return | 11.54% | 32.74%-21.2pp | 89.72%-78.2pp | 26.06%-14.5pp |
| Employer contribution / active EE | $823 | $2,588-68.2% | $4,268-80.7% | $2,596-68.3% |
| Participant deferral / active EE | $2,254 | $3,311-31.9% | $5,630-60.0% | $4,274-47.3% |
| Admin fee / account holder | $6,170 | $6,724-8.2% | $16,006-61.5% | $7,775-20.6% |