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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 | $107,421-63.4% | $182,262-78.5% | $94,015-58.2% |
| Participation rate | 36.0% | 77.8%-41.8pp | 84.2%-48.2pp | 70.8%-34.8pp |
| Annual return | 5.24% | 21.32%-16.1pp | 140.60%-135.4pp | 17.84%-12.6pp |
| Employer contribution / active EE | $1,517 | $3,448-56.0% | $5,046-69.9% | $2,790-45.6% |
| Participant deferral / active EE | $3,045 | $6,558-53.6% | $8,276-63.2% | $4,249-28.3% |
| Admin fee / account holder | $9,482 | $8,692+9.1% | $16,712-43.3% | $8,951+5.9% |