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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 | $45,031 | $96,052-53.1% | $118,106-61.9% | $87,485-48.5% |
| Participation rate | 57.8% | 77.0%-19.2pp | 81.9%-24.0pp | 68.9%-11.1pp |
| Annual return | 12.78% | 24.16%-11.4pp | 19.44%-6.7pp | 26.06%-13.3pp |
| Employer contribution / active EE | $1,285 | $3,939-67.4% | $4,698-72.6% | $2,596-50.5% |
| Participant deferral / active EE | $3,502 | $5,793-39.6% | $6,619-47.1% | $4,274-18.1% |
| Admin fee / account holder | $2,196 | $7,618-71.2% | $8,973-75.5% | $7,775-71.8% |