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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 | $53,605 | $86,940-38.3% | $102,434-47.7% | $80,935-33.8% |
| Participation rate | 56.7% | 72.4%-15.7pp | 76.5%-19.8pp | 67.7%-11.0pp |
| Annual return | 8.88% | 18.89%-10.0pp | 29.46%-20.6pp | 35.66%-26.8pp |
| Employer contribution / active EE | $1,325 | $2,370-44.1% | $3,023-56.2% | $2,757-51.9% |
| Participant deferral / active EE | $3,114 | $4,121-24.4% | $5,055-38.4% | $4,299-27.6% |
| Admin fee / account holder | $3,749 | $8,047-53.4% | $9,462-60.4% | $6,924-45.9% |