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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 | $86,938-36.7% | $102,423-46.3% | $80,925-32.0% |
| Participation rate | 41.4% | 72.4%-31.0pp | 76.5%-35.1pp | 67.7%-26.3pp |
| Annual return | 7.99% | 18.89%-10.9pp | 29.42%-21.4pp | 35.65%-27.7pp |
| Employer contribution / active EE | $1,410 | $2,369-40.5% | $3,023-53.4% | $2,756-48.8% |
| Participant deferral / active EE | $2,568 | $4,120-37.7% | $5,054-49.2% | $4,299-40.3% |
| Admin fee / account holder | $851 | $8,053-89.4% | $9,455-91.0% | $6,940-87.7% |