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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 | $38,964 | $57,541-32.3% | $95,740-59.3% | $75,173-48.2% |
| Participation rate | 36.8% | 62.5%-25.7pp | 72.3%-35.4pp | 67.2%-30.4pp |
| Annual return | 12.40% | 34.93%-22.5pp | 28.41%-16.0pp | 160.72%-148.3pp |
| Employer contribution / active EE | $1,001 | $1,808-44.6% | $2,836-64.7% | $2,671-62.5% |
| Participant deferral / active EE | $2,169 | $3,074-29.4% | $4,244-48.9% | $4,126-47.4% |
| Admin fee / account holder | $7,587 | $4,099+85.1% | $5,676+33.7% | $5,651+34.3% |