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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 | $44,142 | $81,331-45.7% | $155,534-71.6% | $80,935-45.5% |
| Participation rate | 68.6% | 66.3%+2.3pp | 78.2%-9.6pp | 67.7%+0.9pp |
| Annual return | 4.11% | 33.37%-29.3pp | 64.92%-60.8pp | 35.66%-31.6pp |
| Employer contribution / active EE | $1,371 | $3,105-55.8% | $4,675-70.7% | $2,757-50.3% |
| Participant deferral / active EE | $1,032 | $3,454-70.1% | $5,630-81.7% | $4,299-76.0% |
| Admin fee / account holder | $1,320 | $7,999-83.5% | $15,900-91.7% | $6,924-80.9% |