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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 | $76,834-24.2% | $108,359-46.3% | $87,485-33.5% |
| Participation rate | 49.0% | 61.7%-12.7pp | 70.1%-21.1pp | 68.9%-20.0pp |
| Annual return | 7.79% | 19.09%-11.3pp | 36.89%-29.1pp | 26.06%-18.3pp |
| Employer contribution / active EE | $1,092 | $1,556-29.9% | $2,399-54.5% | $2,596-58.0% |
| Participant deferral / active EE | $2,092 | $3,100-32.5% | $4,137-49.4% | $4,274-51.1% |
| Admin fee / account holder | $3,906 | $6,537-40.2% | $9,741-59.9% | $7,775-49.8% |