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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 | $43,227 | $76,551-43.5% | $123,894-65.1% | $62,881-31.3% |
| Participation rate | 57.6% | 73.0%-15.4pp | 81.4%-23.8pp | 69.3%-11.7pp |
| Annual return | 4.75% | 18.68%-13.9pp | 47.52%-42.8pp | 20.14%-15.4pp |
| Employer contribution / active EE | $2,031 | $2,882-29.5% | $4,617-56.0% | $2,281-11.0% |
| Participant deferral / active EE | $5,287 | $4,840+9.2% | $5,984-11.6% | $3,203+65.1% |
| Admin fee / account holder | $518 | $4,826-89.3% | $8,357-93.8% | $4,296-87.9% |