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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 | $45,041 | $77,962-42.2% | $178,540-74.8% | $80,935-44.3% |
| Participation rate | 69.5% | 65.7%+3.8pp | 77.1%-7.6pp | 67.7%+1.8pp |
| Annual return | 10.54% | 18.10%-7.6pp | 27.15%-16.6pp | 35.66%-25.1pp |
| Employer contribution / active EE | $1,750 | $2,280-23.2% | $3,953-55.7% | $2,757-36.5% |
| Participant deferral / active EE | $3,133 | $4,404-28.9% | $6,281-50.1% | $4,299-27.1% |
| Admin fee / account holder | $4,456 | $7,156-37.7% | $10,424-57.3% | $6,924-35.7% |