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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 | $41,102 | $106,749-61.5% | $145,433-71.7% | $82,448-50.1% |
| Participation rate | 51.9% | 75.6%-23.8pp | 82.1%-30.3pp | 68.1%-16.2pp |
| Annual return | 12.39% | 27.59%-15.2pp | 66.58%-54.2pp | 41.64%-29.2pp |
| Employer contribution / active EE | $3,853 | $3,444+11.8% | $4,554-15.4% | $2,551+51.0% |
| Participant deferral / active EE | $2,995 | $6,519-54.0% | $7,897-62.1% | $4,139-27.6% |
| Admin fee / account holder | $12,175 | $8,390+45.1% | $13,129-7.3% | $7,234+68.3% |