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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 | $49,753 | $72,486-31.4% | $87,103-42.9% | $72,976-31.8% |
| Participation rate | 37.7% | 72.8%-35.1pp | 76.9%-39.2pp | 69.5%-31.8pp |
| Annual return | 10.01% | 24.46%-14.4pp | 28.19%-18.2pp | 81.02%-71.0pp |
| Employer contribution / active EE | $1,001 | $1,894-47.1% | $2,521-60.3% | $2,440-59.0% |
| Participant deferral / active EE | $1,846 | $3,270-43.5% | $4,049-54.4% | $3,608-48.8% |
| Admin fee / account holder | $1,678 | $5,055-66.8% | $7,491-77.6% | $5,124-67.2% |