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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 | $40,643 | $45,266-10.2% | $103,693-60.8% | $65,306-37.8% |
| Participation rate | 37.8% | 53.3%-15.5pp | 72.6%-34.8pp | 57.7%-19.8pp |
| Annual return | 10.39% | 25.10%-14.7pp | 47.61%-37.2pp | 21.94%-11.5pp |
| Employer contribution / active EE | $1,150 | $1,765-34.9% | $2,920-60.6% | $1,967-41.5% |
| Participant deferral / active EE | $1,692 | $2,099-19.4% | $4,579-63.1% | $2,959-42.8% |
| Admin fee / account holder | $9,949 | $3,221+208.9% | $7,858+26.6% | $3,480+185.9% |