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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 | $70,339 | $86,949-19.1% | $102,460-31.3% | $80,959-13.1% |
| Participation rate | 45.7% | 72.4%-26.7pp | 76.5%-30.8pp | 67.7%-22.0pp |
| Annual return | 10.09% | 18.89%-8.8pp | 29.47%-19.4pp | 35.67%-25.6pp |
| Employer contribution / active EE | $1,473 | $2,370-37.9% | $3,025-51.3% | $2,757-46.6% |
| Participant deferral / active EE | $2,780 | $4,121-32.5% | $5,056-45.0% | $4,300-35.3% |
| Admin fee / account holder | $3,543 | $8,048-56.0% | $9,460-62.6% | $6,925-48.8% |