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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 | $56,987 | $106,864-46.7% | $147,318-61.3% | $82,637-31.0% |
| Participation rate | 43.8% | 75.5%-31.8pp | 82.1%-38.3pp | 68.1%-24.3pp |
| Annual return | 13.74% | 27.49%-13.8pp | 70.43%-56.7pp | 53.51%-39.8pp |
| Employer contribution / active EE | $1,347 | $3,417-60.6% | $4,593-70.7% | $2,552-47.2% |
| Participant deferral / active EE | $4,988 | $6,496-23.2% | $7,906-36.9% | $4,126+20.9% |
| Admin fee / account holder | $8,350 | $8,415-0.8% | $13,708-39.1% | $7,339+13.8% |