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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 | $41,636 | $46,599-10.7% | $64,101-35.0% | $75,173-44.6% |
| Participation rate | 54.5% | 65.9%-11.4pp | 72.3%-17.8pp | 67.2%-12.7pp |
| Annual return | 9.63% | 26.06%-16.4pp | 33.72%-24.1pp | 160.72%-151.1pp |
| Employer contribution / active EE | $1,501 | $1,975-24.0% | $2,749-45.4% | $2,671-43.8% |
| Participant deferral / active EE | $1,151 | $2,837-59.4% | $3,881-70.3% | $4,126-72.1% |
| Admin fee / account holder | $2,342 | $2,956-20.8% | $3,070-23.7% | $5,651-58.5% |