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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 | $62,146 | $70,486-11.8% | $100,528-38.2% | $79,852-22.2% |
| Participation rate | 57.1% | 73.6%-16.5pp | 79.4%-22.3pp | 69.6%-12.5pp |
| Annual return | 9.41% | 21.90%-12.5pp | 30.90%-21.5pp | 31.72%-22.3pp |
| Employer contribution / active EE | $1,419 | $2,165-34.4% | $3,419-58.5% | $2,471-42.6% |
| Participant deferral / active EE | $3,452 | $5,182-33.4% | $6,271-45.0% | $3,740-7.7% |
| Admin fee / account holder | $9,950 | $4,480+122.1% | $8,084+23.1% | $5,306+87.5% |