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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 | $39,270 | $106,524-63.1% | $152,301-74.2% | $87,485-55.1% |
| Participation rate | 36.0% | 75.8%-39.8pp | 82.4%-46.4pp | 68.9%-32.9pp |
| Annual return | 5.24% | 26.89%-21.7pp | 80.50%-75.3pp | 26.06%-20.8pp |
| Employer contribution / active EE | $1,517 | $3,371-55.0% | $4,624-67.2% | $2,596-41.6% |
| Participant deferral / active EE | $3,045 | $6,525-53.3% | $8,004-61.9% | $4,274-28.7% |
| Admin fee / account holder | $9,482 | $8,287+14.4% | $14,398-34.1% | $7,775+22.0% |