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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 | $64,267 | $81,331-21.0% | $155,534-58.7% | $80,935-20.6% |
| Participation rate | 43.6% | 66.3%-22.6pp | 78.2%-34.6pp | 67.7%-24.0pp |
| Annual return | 10.60% | 33.37%-22.8pp | 64.92%-54.3pp | 35.66%-25.1pp |
| Employer contribution / active EE | $1,200 | $3,105-61.3% | $4,675-74.3% | $2,757-56.5% |
| Participant deferral / active EE | $2,373 | $3,454-31.3% | $5,630-57.9% | $4,299-44.8% |
| Admin fee / account holder | $1,866 | $7,999-76.7% | $15,900-88.3% | $6,924-73.1% |