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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 | $46,375 | $77,358-40.1% | $102,184-54.6% | $87,485-47.0% |
| Participation rate | 54.5% | 78.7%-24.1pp | 82.6%-28.1pp | 68.9%-14.4pp |
| Annual return | 11.42% | 41.11%-29.7pp | 31.58%-20.2pp | 26.06%-14.6pp |
| Employer contribution / active EE | $1,239 | $2,562-51.6% | $3,594-65.5% | $2,596-52.3% |
| Participant deferral / active EE | $3,009 | $6,753-55.4% | $8,309-63.8% | $4,274-29.6% |
| Admin fee / account holder | $8,936 | $6,809+31.2% | $11,609-23.0% | $7,775+14.9% |