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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 | $45,164 | $97,648-53.7% | $121,663-62.9% | $87,485-48.4% |
| Participation rate | 56.6% | 70.5%-13.9pp | 74.5%-17.9pp | 68.9%-12.4pp |
| Annual return | 11.55% | 18.03%-6.5pp | 147.54%-136.0pp | 26.06%-14.5pp |
| Employer contribution / active EE | $1,669 | $2,300-27.4% | $3,020-44.7% | $2,596-35.7% |
| Participant deferral / active EE | $2,413 | $3,923-38.5% | $4,887-50.6% | $4,274-43.5% |
| Admin fee / account holder | $3,867 | $11,100-65.2% | $14,289-72.9% | $7,775-50.3% |