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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 | $44,112 | $93,010-52.6% | $96,515-54.3% | $74,460-40.8% |
| Participation rate | 28.8% | 71.6%-42.8pp | 74.3%-45.5pp | 70.7%-41.9pp |
| Annual return | 11.48% | 37.50%-26.0pp | 35.73%-24.3pp | 34.38%-22.9pp |
| Employer contribution / active EE | $1,162 | $3,427-66.1% | $3,740-68.9% | $2,638-56.0% |
| Participant deferral / active EE | $2,909 | $3,971-26.7% | $4,880-40.4% | $4,530-35.8% |
| Admin fee / account holder | $2,053 | $633+224.2% | $6,735-69.5% | $348+490.4% |