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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 | $42,404 | $106,749-60.3% | $145,433-70.8% | $82,448-48.6% |
| Participation rate | 46.0% | 75.6%-29.6pp | 82.1%-36.1pp | 68.1%-22.1pp |
| Annual return | 11.58% | 27.59%-16.0pp | 66.58%-55.0pp | 41.64%-30.1pp |
| Employer contribution / active EE | $1,550 | $3,444-55.0% | $4,554-66.0% | $2,551-39.3% |
| Participant deferral / active EE | $2,827 | $6,519-56.6% | $7,897-64.2% | $4,139-31.7% |
| Admin fee / account holder | $868 | $8,390-89.7% | $13,129-93.4% | $7,234-88.0% |