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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 | $61,933 | $74,535-16.9% | $100,712-38.5% | $82,637-25.1% |
| Participation rate | 44.2% | 61.2%-16.9pp | 69.3%-25.0pp | 68.1%-23.8pp |
| Annual return | 12.14% | 18.92%-6.8pp | 33.27%-21.1pp | 53.51%-41.4pp |
| Employer contribution / active EE | $1,226 | $1,503-18.4% | $2,313-47.0% | $2,552-52.0% |
| Participant deferral / active EE | $1,623 | $3,074-47.2% | $4,085-60.3% | $4,126-60.7% |
| Admin fee / account holder | $2,849 | $6,576-56.7% | $9,256-69.2% | $7,339-61.2% |