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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 | $50,541 | $65,246-22.5% | $98,716-48.8% | $67,986-25.7% |
| Participation rate | 42.1% | 51.4%-9.3pp | 69.3%-27.2pp | 57.2%-15.1pp |
| Annual return | 9.69% | 20.58%-10.9pp | 31.81%-22.1pp | 31.67%-22.0pp |
| Employer contribution / active EE | $1,140 | $1,042+9.4% | $2,279-50.0% | $2,019-43.6% |
| Participant deferral / active EE | $1,848 | $2,594-28.8% | $4,048-54.3% | $3,358-45.0% |
| Admin fee / account holder | $4,969 | $4,561+9.0% | $8,703-42.9% | $3,203+55.1% |