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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 | $43,030 | $93,617-54.0% | $135,982-68.4% | $75,177-42.8% |
| Participation rate | 60.3% | 75.2%-14.9pp | 81.9%-21.6pp | 67.2%-6.9pp |
| Annual return | 13.89% | 30.89%-17.0pp | 68.32%-54.4pp | 160.75%-146.9pp |
| Employer contribution / active EE | $1,738 | $3,538-50.9% | $4,859-64.2% | $2,671-34.9% |
| Participant deferral / active EE | $3,660 | $6,406-42.9% | $7,760-52.8% | $4,126-11.3% |
| Admin fee / account holder | $2,553 | $6,980-63.4% | $10,767-76.3% | $5,651-54.8% |