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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 | $64,167 | $81,504-21.3% | $102,437-37.4% | $80,959-20.7% |
| Participation rate | 48.4% | 66.9%-18.4pp | 74.5%-26.1pp | 67.7%-19.2pp |
| Annual return | 10.05% | 25.60%-15.5pp | 24.95%-14.9pp | 35.67%-25.6pp |
| Employer contribution / active EE | $1,645 | $3,104-47.0% | $3,871-57.5% | $2,757-40.3% |
| Participant deferral / active EE | $3,480 | $3,871-10.1% | $5,060-31.2% | $4,300-19.1% |
| Admin fee / account holder | $825 | $6,719-87.7% | $8,388-90.2% | $6,925-88.1% |