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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 | $42,045 | $86,940-51.6% | $102,434-59.0% | $80,935-48.1% |
| Participation rate | 46.4% | 72.4%-26.0pp | 76.5%-30.1pp | 67.7%-21.2pp |
| Annual return | 8.15% | 18.89%-10.7pp | 29.46%-21.3pp | 35.66%-27.5pp |
| Employer contribution / active EE | $1,536 | $2,370-35.2% | $3,023-49.2% | $2,757-44.3% |
| Participant deferral / active EE | $3,409 | $4,121-17.3% | $5,055-32.6% | $4,299-20.7% |
| Admin fee / account holder | $1,474 | $8,047-81.7% | $9,462-84.4% | $6,924-78.7% |