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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 | $28,625 | $81,487-64.9% | $102,412-72.0% | $80,935-64.6% |
| Participation rate | 54.1% | 66.8%-12.8pp | 74.5%-20.4pp | 67.7%-13.6pp |
| Annual return | 9.98% | 25.60%-15.6pp | 24.94%-15.0pp | 35.66%-25.7pp |
| Employer contribution / active EE | $1,250 | $3,103-59.7% | $3,870-67.7% | $2,757-54.7% |
| Participant deferral / active EE | $4,586 | $3,871+18.5% | $5,060-9.4% | $4,299+6.7% |
| Admin fee / account holder | $8,748 | $6,717+30.2% | $8,388+4.3% | $6,924+26.3% |