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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 | $46,338 | $81,457-43.1% | $103,378-55.2% | $80,911-42.7% |
| Participation rate | 51.7% | 66.8%-15.2pp | 74.5%-22.8pp | 67.6%-16.0pp |
| Annual return | 7.42% | 25.58%-18.2pp | 24.91%-17.5pp | 35.63%-28.2pp |
| Employer contribution / active EE | $1,061 | $3,107-65.8% | $3,870-72.6% | $2,756-61.5% |
| Participant deferral / active EE | $2,818 | $3,871-27.2% | $5,058-44.3% | $4,297-34.4% |
| Admin fee / account holder | $2,077 | $6,717-69.1% | $8,401-75.3% | $6,935-70.1% |