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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 | $41,503 | $67,602-38.6% | $82,312-49.6% | $70,126-40.8% |
| Participation rate | 60.0% | 72.8%-12.8pp | 76.9%-16.9pp | 69.5%-9.5pp |
| Annual return | 7.06% | 21.57%-14.5pp | 25.88%-18.8pp | 73.15%-66.1pp |
| Employer contribution / active EE | $1,403 | $1,755-20.0% | $2,428-42.2% | $2,343-40.1% |
| Participant deferral / active EE | $2,925 | $2,987-2.1% | $3,706-21.1% | $3,332-12.2% |
| Admin fee / account holder | $6,744 | $4,512+49.5% | $5,608+20.3% | $4,645+45.2% |