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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 | $79,662 | $124,314-35.9% | $109,163-27.0% | $167,518-52.4% |
| Participation rate | 37.5% | 79.4%-41.9pp | 75.9%-38.4pp | 82.1%-44.6pp |
| Annual return | 8.90% | 26.04%-17.1pp | 25.75%-16.9pp | 478.71%-469.8pp |
| Employer contribution / active EE | $976 | $4,209-76.8% | $3,723-73.8% | $4,838-79.8% |
| Participant deferral / active EE | $1,526 | $5,256-71.0% | $4,654-67.2% | $6,342-75.9% |
| Admin fee / account holder | $1,579 | $7,973-80.2% | $6,754-76.6% | $12,312-87.2% |