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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 | $40,153 | $74,535-46.1% | $100,712-60.1% | $82,637-51.4% |
| Participation rate | 56.0% | 61.2%-5.2pp | 69.3%-13.3pp | 68.1%-12.1pp |
| Annual return | 7.77% | 18.92%-11.2pp | 33.27%-25.5pp | 53.51%-45.7pp |
| Employer contribution / active EE | $1,123 | $1,503-25.3% | $2,313-51.4% | $2,552-56.0% |
| Participant deferral / active EE | $3,053 | $3,074-0.7% | $4,085-25.3% | $4,126-26.0% |
| Admin fee / account holder | $1,942 | $6,576-70.5% | $9,256-79.0% | $7,339-73.5% |