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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 | $41,918 | $60,349-30.5% | $74,184-43.5% | $62,881-33.3% |
| Participation rate | 46.8% | 72.7%-25.9pp | 76.6%-29.8pp | 69.3%-22.5pp |
| Annual return | 2.44% | 21.38%-18.9pp | 17.74%-15.3pp | 20.14%-17.7pp |
| Employer contribution / active EE | $1,346 | $1,680-19.9% | $2,370-43.2% | $2,281-41.0% |
| Participant deferral / active EE | $2,720 | $2,856-4.8% | $3,550-23.4% | $3,203-15.1% |
| Admin fee / account holder | $2,741 | $4,261-35.7% | $5,586-50.9% | $4,296-36.2% |