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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 | $40,660 | $67,602-39.9% | $82,312-50.6% | $70,126-42.0% |
| Participation rate | 56.3% | 72.8%-16.5pp | 76.9%-20.6pp | 69.5%-13.3pp |
| Annual return | 9.24% | 21.57%-12.3pp | 25.88%-16.6pp | 73.15%-63.9pp |
| Employer contribution / active EE | $1,148 | $1,755-34.6% | $2,428-52.7% | $2,343-51.0% |
| Participant deferral / active EE | $2,202 | $2,987-26.3% | $3,706-40.6% | $3,332-33.9% |
| Admin fee / account holder | $3,225 | $4,512-28.5% | $5,608-42.5% | $4,645-30.6% |