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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 | $58,192 | $69,590-16.4% | $136,867-57.5% | $94,015-38.1% |
| Participation rate | 43.9% | 66.3%-22.5pp | 74.5%-30.7pp | 70.8%-27.0pp |
| Annual return | 9.79% | 19.62%-9.8pp | 42.97%-33.2pp | 17.84%-8.1pp |
| Employer contribution / active EE | $1,389 | $2,396-42.0% | $3,547-60.8% | $2,790-50.2% |
| Participant deferral / active EE | $3,435 | $3,4370% | $4,924-30.2% | $4,249-19.2% |
| Admin fee / account holder | $4,469 | $8,912-49.9% | $10,340-56.8% | $8,951-50.1% |