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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 | $29,945 | $81,358-63.2% | $155,556-80.7% | $80,959-63.0% |
| Participation rate | 45.5% | 66.3%-20.8pp | 78.2%-32.8pp | 67.7%-22.2pp |
| Annual return | 10.35% | 33.39%-23.0pp | 64.84%-54.5pp | 35.67%-25.3pp |
| Employer contribution / active EE | $1,016 | $3,106-67.3% | $4,675-78.3% | $2,757-63.1% |
| Participant deferral / active EE | $2,030 | $3,455-41.3% | $5,631-64.0% | $4,300-52.8% |
| Admin fee / account holder | $3,379 | $7,994-57.7% | $15,885-78.7% | $6,925-51.2% |