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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 | $43,387 | $75,541-42.6% | $152,093-71.5% | $82,637-47.5% |
| Participation rate | 53.0% | 66.5%-13.5pp | 77.8%-24.8pp | 68.1%-15.0pp |
| Annual return | 9.80% | 32.56%-22.8pp | 66.36%-56.6pp | 53.51%-43.7pp |
| Employer contribution / active EE | $1,354 | $2,622-48.4% | $4,175-67.6% | $2,552-47.0% |
| Participant deferral / active EE | $3,000 | $3,206-6.4% | $5,451-45.0% | $4,126-27.3% |
| Admin fee / account holder | $4,724 | $6,405-26.2% | $14,497-67.4% | $7,339-35.6% |