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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 | $40,938 | $58,627-30.2% | $76,735-46.7% | $82,448-50.3% |
| Participation rate | 51.6% | 63.2%-11.6pp | 69.5%-17.9pp | 68.1%-16.5pp |
| Annual return | 12.81% | 39.10%-26.3pp | 29.77%-17.0pp | 41.64%-28.8pp |
| Employer contribution / active EE | $1,066 | $1,729-38.4% | $2,454-56.6% | $2,551-58.2% |
| Participant deferral / active EE | $2,048 | $3,134-34.7% | $4,088-49.9% | $4,139-50.5% |
| Admin fee / account holder | $7,432 | $5,323+39.6% | $7,189+3.4% | $7,234+2.7% |