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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 | $29,247 | $81,476-64.1% | $102,383-71.4% | $80,925-63.9% |
| Participation rate | 56.8% | 66.8%-10.1pp | 74.5%-17.8pp | 67.7%-10.9pp |
| Annual return | 3.52% | 25.59%-22.1pp | 24.94%-21.4pp | 35.65%-32.1pp |
| Employer contribution / active EE | $2,067 | $3,105-33.4% | $3,870-46.6% | $2,756-25.0% |
| Participant deferral / active EE | $3,099 | $3,871-19.9% | $5,060-38.8% | $4,299-27.9% |
| Admin fee / account holder | $4,864 | $6,717-27.6% | $8,391-42.0% | $6,940-29.9% |