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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 | $45,734 | $65,027-29.7% | $90,970-49.7% | $79,852-42.7% |
| Participation rate | 54.6% | 61.6%-7.0pp | 69.0%-14.4pp | 69.6%-15.0pp |
| Annual return | 7.06% | 30.45%-23.4pp | 134.58%-127.5pp | 31.72%-24.7pp |
| Employer contribution / active EE | $1,037 | $1,247-16.9% | $2,122-51.1% | $2,471-58.0% |
| Participant deferral / active EE | $1,627 | $2,512-35.2% | $3,373-51.8% | $3,740-56.5% |
| Admin fee / account holder | $368 | $4,535-91.9% | $5,960-93.8% | $5,306-93.1% |