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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 | $18,815 | $48,011-60.8% | $63,803-70.5% | $82,637-77.2% |
| Participation rate | 59.5% | 66.6%-7.0pp | 72.7%-13.2pp | 68.1%-8.5pp |
| Annual return | 6.98% | 19.84%-12.9pp | 543.72%-536.7pp | 53.51%-46.5pp |
| Employer contribution / active EE | $1,133 | $1,904-40.5% | $2,532-55.3% | $2,552-55.6% |
| Participant deferral / active EE | $3,206 | $2,846+12.6% | $3,843-16.6% | $4,126-22.3% |
| Admin fee / account holder | $3,038 | $3,873-21.6% | $5,196-41.5% | $7,339-58.6% |