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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 | $104,098-58.5% | $140,514-69.2% | $94,015-54.0% |
| Participation rate | 56.5% | 73.7%-17.2pp | 77.8%-21.3pp | 70.8%-14.3pp |
| Annual return | 9.93% | 15.14%-5.2pp | 14.36%-4.4pp | 17.84%-7.9pp |
| Employer contribution / active EE | $1,459 | $2,388-38.9% | $3,378-56.8% | $2,790-47.7% |
| Participant deferral / active EE | $2,402 | $4,033-40.4% | $4,919-51.2% | $4,249-43.5% |
| Admin fee / account holder | $8,281 | $10,439-20.7% | $13,697-39.5% | $8,951-7.5% |