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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 | $45,607 | $70,486-35.3% | $100,528-54.6% | $79,852-42.9% |
| Participation rate | 63.6% | 73.6%-10.0pp | 79.4%-15.8pp | 69.6%-6.0pp |
| Annual return | 10.77% | 21.90%-11.1pp | 30.90%-20.1pp | 31.72%-20.9pp |
| Employer contribution / active EE | $1,936 | $2,165-10.6% | $3,419-43.4% | $2,471-21.7% |
| Participant deferral / active EE | $3,555 | $5,182-31.4% | $6,271-43.3% | $3,740-5.0% |
| Admin fee / account holder | $6,090 | $4,480+35.9% | $8,084-24.7% | $5,306+14.8% |