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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 | $54,914 | $86,919-36.8% | $102,457-46.4% | $80,911-32.1% |
| Participation rate | 43.8% | 72.4%-28.6pp | 76.5%-32.7pp | 67.6%-23.9pp |
| Annual return | 9.92% | 18.90%-9.0pp | 29.41%-19.5pp | 35.63%-25.7pp |
| Employer contribution / active EE | $2,100 | $2,368-11.3% | $3,022-30.5% | $2,756-23.8% |
| Participant deferral / active EE | $3,146 | $4,119-23.6% | $5,054-37.8% | $4,297-26.8% |
| Admin fee / account holder | $3,015 | $8,049-62.5% | $9,451-68.1% | $6,935-56.5% |