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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 | $49,207 | $64,359-23.5% | $90,161-45.4% | $70,126-29.8% |
| Participation rate | 66.7% | 70.4%-3.8pp | 76.9%-10.2pp | 69.5%-2.9pp |
| Annual return | 13.60% | 28.13%-14.5pp | 34.89%-21.3pp | 73.15%-59.5pp |
| Employer contribution / active EE | $1,473 | $2,046-28.0% | $3,318-55.6% | $2,343-37.1% |
| Participant deferral / active EE | $2,905 | $4,389-33.8% | $5,287-45.1% | $3,332-12.8% |
| Admin fee / account holder | $911 | $3,945-76.9% | $5,943-84.7% | $4,645-80.4% |