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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 | $25,587 | $52,580-51.3% | $71,671-64.3% | $70,126-63.5% |
| Participation rate | 54.5% | 60.9%-6.3pp | 68.7%-14.2pp | 69.5%-15.0pp |
| Annual return | 10.98% | 20.25%-9.3pp | 20.65%-9.7pp | 73.15%-62.2pp |
| Employer contribution / active EE | $1,179 | $1,616-27.0% | $2,460-52.1% | $2,343-49.7% |
| Participant deferral / active EE | $1,782 | $2,386-25.3% | $3,438-48.2% | $3,332-46.5% |
| Admin fee / account holder | $723 | $3,653-80.2% | $5,558-87.0% | $4,645-84.4% |