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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 | $62,693 | $84,953-26.2% | $163,379-61.6% | $82,637-24.1% |
| Participation rate | 31.4% | 65.9%-34.5pp | 76.8%-45.4pp | 68.1%-36.6pp |
| Annual return | 10.24% | 23.07%-12.8pp | 63.41%-53.2pp | 53.51%-43.3pp |
| Employer contribution / active EE | $788 | $2,183-63.9% | $3,752-79.0% | $2,552-69.1% |
| Participant deferral / active EE | $1,623 | $4,326-62.5% | $6,282-74.2% | $4,126-60.7% |
| Admin fee / account holder | $11,830 | $7,921+49.3% | $9,818+20.5% | $7,339+61.2% |