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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 | $43,221 | $95,453-54.7% | $112,040-61.4% | $82,448-47.6% |
| Participation rate | 56.5% | 72.8%-16.2pp | 76.5%-20.0pp | 68.1%-11.5pp |
| Annual return | 9.93% | 23.92%-14.0pp | 24.52%-14.6pp | 41.64%-31.7pp |
| Employer contribution / active EE | $1,459 | $2,318-37.1% | $2,954-50.6% | $2,551-42.8% |
| Participant deferral / active EE | $2,402 | $4,224-43.1% | $5,098-52.9% | $4,139-42.0% |
| Admin fee / account holder | $8,281 | $9,013-8.1% | $12,098-31.6% | $7,234+14.5% |