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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 | $86,919-33.0% | $102,457-43.2% | $80,911-28.0% |
| Participation rate | 48.3% | 72.4%-24.1pp | 76.5%-28.2pp | 67.6%-19.4pp |
| Annual return | 8.97% | 18.90%-9.9pp | 29.41%-20.4pp | 35.63%-26.7pp |
| Employer contribution / active EE | $1,398 | $2,368-41.0% | $3,022-53.8% | $2,756-49.3% |
| Participant deferral / active EE | $4,032 | $4,119-2.1% | $5,054-20.2% | $4,297-6.2% |
| Admin fee / account holder | $4,784 | $8,049-40.6% | $9,451-49.4% | $6,935-31.0% |