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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 | $38,949 | $58,493-33.4% | $84,021-53.6% | $72,975-46.6% |
| Participation rate | 52.6% | 61.2%-8.6pp | 69.0%-16.4pp | 69.5%-16.9pp |
| Annual return | 16.49% | 28.93%-12.4pp | 71.32%-54.8pp | 81.01%-64.5pp |
| Employer contribution / active EE | $1,355 | $1,163+16.5% | $1,984-31.7% | $2,440-44.5% |
| Participant deferral / active EE | $3,207 | $2,394+34.0% | $3,239-1.0% | $3,608-11.1% |
| Admin fee / account holder | $3,883 | $4,569-15.0% | $6,102-36.4% | $5,124-24.2% |