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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 | $24,995 | $46,877-46.7% | $122,354-79.6% | $70,126-64.4% |
| Participation rate | 60.9% | 58.2%+2.7pp | 71.6%-10.8pp | 69.5%-8.7pp |
| Annual return | 11.00% | 24.22%-13.2pp | 30.28%-19.3pp | 73.15%-62.1pp |
| Employer contribution / active EE | $1,022 | $1,288-20.7% | $4,051-74.8% | $2,343-56.4% |
| Participant deferral / active EE | $2,050 | $2,167-5.4% | $3,287-37.6% | $3,332-38.5% |
| Admin fee / account holder | $1,868 | $3,324-43.8% | $5,479-65.9% | $4,645-59.8% |