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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 | $61,725 | $106,749-42.2% | $145,433-57.6% | $82,448-25.1% |
| Participation rate | 53.3% | 75.6%-22.3pp | 82.1%-28.8pp | 68.1%-14.7pp |
| Annual return | 13.54% | 27.59%-14.1pp | 66.58%-53.0pp | 41.64%-28.1pp |
| Employer contribution / active EE | $1,145 | $3,444-66.8% | $4,554-74.9% | $2,551-55.1% |
| Participant deferral / active EE | $4,264 | $6,519-34.6% | $7,897-46.0% | $4,139+3.0% |
| Admin fee / account holder | $3,383 | $8,390-59.7% | $13,129-74.2% | $7,234-53.2% |