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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 | $29,161 | $81,358-64.2% | $155,556-81.3% | $80,959-64.0% |
| Participation rate | 48.0% | 66.3%-18.3pp | 78.2%-30.2pp | 67.7%-19.7pp |
| Annual return | 10.40% | 33.39%-23.0pp | 64.84%-54.4pp | 35.67%-25.3pp |
| Employer contribution / active EE | $1,382 | $3,106-55.5% | $4,675-70.4% | $2,757-49.9% |
| Participant deferral / active EE | $3,171 | $3,455-8.2% | $5,631-43.7% | $4,300-26.3% |
| Admin fee / account holder | $6,142 | $7,994-23.2% | $15,885-61.3% | $6,925-11.3% |