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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 | $47,700 | $86,050-44.6% | $189,758-74.9% | $94,015-49.3% |
| Participation rate | 58.2% | 68.9%-10.7pp | 79.8%-21.6pp | 70.8%-12.6pp |
| Annual return | 9.04% | 17.77%-8.7pp | 52.62%-43.6pp | 17.84%-8.8pp |
| Employer contribution / active EE | $1,711 | $2,819-39.3% | $4,767-64.1% | $2,790-38.7% |
| Participant deferral / active EE | $1,454 | $3,349-56.6% | $5,856-75.2% | $4,249-65.8% |
| Admin fee / account holder | $1,197 | $6,627-81.9% | $20,388-94.1% | $8,951-86.6% |