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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 | $27,978 | $80,763-65.4% | $102,412-72.7% | $74,459-62.4% |
| Participation rate | 62.3% | 65.7%-3.4pp | 74.5%-12.2pp | 67.2%-4.9pp |
| Annual return | 10.84% | 27.57%-16.7pp | 24.94%-14.1pp | 1369.70%-1358.9pp |
| Employer contribution / active EE | $1,793 | $3,160-43.3% | $3,870-53.7% | $2,626-31.7% |
| Participant deferral / active EE | $3,569 | $3,862-7.6% | $5,060-29.5% | $4,350-18.0% |
| Admin fee / account holder | $4,603 | $2,371+94.1% | $8,388-45.1% | $1,945+136.7% |