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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 | $41,859 | $77,814-46.2% | $158,223-73.5% | $86,983-51.9% |
| Participation rate | 64.6% | 68.4%-3.8pp | 79.2%-14.6pp | 69.5%-5.0pp |
| Annual return | 11.09% | 30.54%-19.4pp | 52.09%-41.0pp | 25.83%-14.7pp |
| Employer contribution / active EE | $1,032 | $2,592-60.2% | $4,109-74.9% | $2,584-60.1% |
| Participant deferral / active EE | $3,431 | $3,270+4.9% | $5,467-37.2% | $4,194-18.2% |
| Admin fee / account holder | $5,159 | $5,879-12.3% | $16,047-67.9% | $7,856-34.3% |