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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 | $52,462 | $76,407-31.3% | $150,298-65.1% | $82,448-36.4% |
| Participation rate | 42.9% | 66.4%-23.5pp | 77.8%-34.9pp | 68.1%-25.2pp |
| Annual return | 11.65% | 39.99%-28.3pp | 62.79%-51.1pp | 41.64%-30.0pp |
| Employer contribution / active EE | $1,569 | $2,614-40.0% | $4,154-62.2% | $2,551-38.5% |
| Participant deferral / active EE | $3,572 | $3,214+11.1% | $5,453-34.5% | $4,139-13.7% |
| Admin fee / account holder | $7,170 | $6,352+12.9% | $14,116-49.2% | $7,234-0.9% |