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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 | $58,583 | $93,617-37.4% | $135,982-56.9% | $75,177-22.1% |
| Participation rate | 47.8% | 75.2%-27.4pp | 81.9%-34.2pp | 67.2%-19.4pp |
| Annual return | 14.32% | 30.89%-16.6pp | 68.32%-54.0pp | 160.75%-146.4pp |
| Employer contribution / active EE | $1,726 | $3,538-51.2% | $4,859-64.5% | $2,671-35.4% |
| Participant deferral / active EE | $3,656 | $6,406-42.9% | $7,760-52.9% | $4,126-11.4% |
| Admin fee / account holder | $5,036 | $6,980-27.8% | $10,767-53.2% | $5,651-10.9% |