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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 | $45,632 | $79,955-42.9% | $98,450-53.6% | $75,181-39.3% |
| Participation rate | 62.2% | 70.4%-8.2pp | 75.2%-13.0pp | 67.2%-5.0pp |
| Annual return | 12.02% | 19.75%-7.7pp | 21.16%-9.1pp | 160.69%-148.7pp |
| Employer contribution / active EE | $1,245 | $2,264-45.0% | $3,049-59.2% | $2,671-53.4% |
| Participant deferral / active EE | $3,303 | $3,752-12.0% | $4,739-30.3% | $4,126-19.9% |
| Admin fee / account holder | $9,086 | $6,841+32.8% | $8,961+1.4% | $5,650+60.8% |