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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 | $44,645 | $99,875-55.3% | $146,866-69.6% | $86,983-48.7% |
| Participation rate | 58.3% | 75.8%-17.5pp | 82.5%-24.2pp | 69.5%-11.2pp |
| Annual return | 12.95% | 28.10%-15.1pp | 102.85%-89.9pp | 25.83%-12.9pp |
| Employer contribution / active EE | $2,859 | $3,224-11.3% | $4,425-35.4% | $2,584+10.6% |
| Participant deferral / active EE | $6,182 | $6,322-2.2% | $7,759-20.3% | $4,194+47.4% |
| Admin fee / account holder | $5,324 | $7,838-32.1% | $13,620-60.9% | $7,856-32.2% |