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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 | $31,673 | $65,395-51.6% | $182,540-82.6% | $72,975-56.6% |
| Participation rate | 35.1% | 65.4%-30.4pp | 78.0%-42.9pp | 69.5%-34.4pp |
| Annual return | 17.89% | 27.68%-9.8pp | 148.58%-130.7pp | 81.01%-63.1pp |
| Employer contribution / active EE | $1,635 | $1,911-14.5% | $4,076-59.9% | $2,440-33.0% |
| Participant deferral / active EE | $0 | $3,563-100.0% | $5,525-100.0% | $3,608-100.0% |
| Admin fee / account holder | $5,331 | $4,245+25.6% | $8,593-38.0% | $5,124+4.0% |