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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 | $51,172 | $56,894-10.1% | $84,753-39.6% | $62,881-18.6% |
| Participation rate | 61.9% | 68.5%-6.6pp | 76.6%-14.7pp | 69.3%-7.4pp |
| Annual return | 4.11% | 6.30%-2.2pp | 22.78%-18.7pp | 20.14%-16.0pp |
| Employer contribution / active EE | $1,018 | $2,400-57.6% | $3,574-71.5% | $2,281-55.4% |
| Participant deferral / active EE | $2,182 | $2,709-19.5% | $3,712-41.2% | $3,203-31.9% |
| Admin fee / account holder | $1,760 | $3,581-50.9% | $5,333-67.0% | $4,296-59.0% |