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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 | $53,775 | $95,453-43.7% | $112,040-52.0% | $82,448-34.8% |
| Participation rate | 69.8% | 72.8%-2.9pp | 76.5%-6.7pp | 68.1%+1.8pp |
| Annual return | 11.82% | 23.92%-12.1pp | 24.52%-12.7pp | 41.64%-29.8pp |
| Employer contribution / active EE | $1,582 | $2,318-31.7% | $2,954-46.4% | $2,551-38.0% |
| Participant deferral / active EE | $2,059 | $4,224-51.2% | $5,098-59.6% | $4,139-50.2% |
| Admin fee / account holder | $1,326 | $9,013-85.3% | $12,098-89.0% | $7,234-81.7% |