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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 | $64,920-10.4% | $103,693-43.9% | $86,983-33.1% |
| Participation rate | 43.9% | 63.6%-19.7pp | 72.6%-28.8pp | 69.5%-25.7pp |
| Annual return | 9.79% | 30.29%-20.5pp | 47.61%-37.8pp | 25.83%-16.0pp |
| Employer contribution / active EE | $1,389 | $2,141-35.1% | $2,920-52.4% | $2,584-46.3% |
| Participant deferral / active EE | $3,435 | $3,241+6.0% | $4,579-25.0% | $4,194-18.1% |
| Admin fee / account holder | $4,469 | $6,191-27.8% | $7,858-43.1% | $7,856-43.1% |