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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 | $57,360 | $86,938-34.0% | $102,423-44.0% | $80,925-29.1% |
| Participation rate | 54.4% | 72.4%-18.0pp | 76.5%-22.1pp | 67.7%-13.2pp |
| Annual return | 9.72% | 18.89%-9.2pp | 29.42%-19.7pp | 35.65%-25.9pp |
| Employer contribution / active EE | $1,634 | $2,369-31.0% | $3,023-46.0% | $2,756-40.7% |
| Participant deferral / active EE | $3,671 | $4,120-10.9% | $5,054-27.4% | $4,299-14.6% |
| Admin fee / account holder | $2,105 | $8,053-73.9% | $9,455-77.7% | $6,940-69.7% |