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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 | $55,009 | $86,949-36.7% | $102,460-46.3% | $80,959-32.1% |
| Participation rate | 41.4% | 72.4%-31.0pp | 76.5%-35.1pp | 67.7%-26.3pp |
| Annual return | 7.99% | 18.89%-10.9pp | 29.47%-21.5pp | 35.67%-27.7pp |
| Employer contribution / active EE | $1,410 | $2,370-40.5% | $3,025-53.4% | $2,757-48.9% |
| Participant deferral / active EE | $2,568 | $4,121-37.7% | $5,056-49.2% | $4,300-40.3% |
| Admin fee / account holder | $851 | $8,048-89.4% | $9,460-91.0% | $6,925-87.7% |