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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 | $58,234 | $86,940-33.0% | $102,434-43.1% | $80,935-28.0% |
| Participation rate | 48.3% | 72.4%-24.1pp | 76.5%-28.2pp | 67.7%-19.4pp |
| Annual return | 8.97% | 18.89%-9.9pp | 29.46%-20.5pp | 35.66%-26.7pp |
| Employer contribution / active EE | $1,398 | $2,370-41.0% | $3,023-53.8% | $2,757-49.3% |
| Participant deferral / active EE | $4,032 | $4,121-2.2% | $5,055-20.2% | $4,299-6.2% |
| Admin fee / account holder | $4,784 | $8,047-40.5% | $9,462-49.4% | $6,924-30.9% |