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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 | $58,206 | $73,787-21.1% | $98,716-41.0% | $82,448-29.4% |
| Participation rate | 49.0% | 61.4%-12.4pp | 69.3%-20.3pp | 68.1%-19.1pp |
| Annual return | 7.79% | 18.57%-10.8pp | 31.81%-24.0pp | 41.64%-33.8pp |
| Employer contribution / active EE | $1,092 | $1,511-27.8% | $2,279-52.1% | $2,551-57.2% |
| Participant deferral / active EE | $2,092 | $3,081-32.1% | $4,048-48.3% | $4,139-49.5% |
| Admin fee / account holder | $3,906 | $6,500-39.9% | $8,703-55.1% | $7,234-46.0% |