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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 | $28,374 | $54,541-48.0% | $78,778-64.0% | $70,126-59.5% |
| Participation rate | 56.3% | 60.8%-4.5pp | 69.2%-12.9pp | 69.5%-13.3pp |
| Annual return | 10.77% | 21.07%-10.3pp | 35.62%-24.9pp | 73.15%-62.4pp |
| Employer contribution / active EE | $1,343 | $1,089+23.4% | $1,986-32.4% | $2,343-42.7% |
| Participant deferral / active EE | $2,067 | $2,210-6.5% | $2,958-30.1% | $3,332-38.0% |
| Admin fee / account holder | $3,793 | $3,709+2.3% | $5,134-26.1% | $4,645-18.3% |