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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 | $54,613 | $106,749-48.8% | $145,433-62.4% | $82,448-33.8% |
| Participation rate | 43.2% | 75.6%-32.5pp | 82.1%-38.9pp | 68.1%-24.9pp |
| Annual return | 13.30% | 27.59%-14.3pp | 66.58%-53.3pp | 41.64%-28.3pp |
| Employer contribution / active EE | $1,422 | $3,444-58.7% | $4,554-68.8% | $2,551-44.2% |
| Participant deferral / active EE | $4,228 | $6,519-35.1% | $7,897-46.5% | $4,139+2.1% |
| Admin fee / account holder | $11,895 | $8,390+41.8% | $13,129-9.4% | $7,234+64.4% |