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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 | $77,814-44.2% | $158,223-72.6% | $86,983-50.1% |
| Participation rate | 53.0% | 68.4%-15.4pp | 79.2%-26.2pp | 69.5%-16.5pp |
| Annual return | 9.80% | 30.54%-20.7pp | 52.09%-42.3pp | 25.83%-16.0pp |
| Employer contribution / active EE | $1,354 | $2,592-47.8% | $4,109-67.1% | $2,584-47.6% |
| Participant deferral / active EE | $3,000 | $3,270-8.2% | $5,467-45.1% | $4,194-28.5% |
| Admin fee / account holder | $4,724 | $5,879-19.6% | $16,047-70.6% | $7,856-39.9% |