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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 | $62,519 | $101,795-38.6% | $165,100-62.1% | $80,959-22.8% |
| Participation rate | 46.4% | 71.8%-25.4pp | 78.6%-32.2pp | 67.7%-21.2pp |
| Annual return | 10.00% | 16.73%-6.7pp | 70.21%-60.2pp | 35.67%-25.7pp |
| Employer contribution / active EE | $2,398 | $2,954-18.8% | $4,348-44.8% | $2,757-13.0% |
| Participant deferral / active EE | $4,145 | $4,476-7.4% | $6,035-31.3% | $4,300-3.6% |
| Admin fee / account holder | $8,647 | $8,221+5.2% | $12,696-31.9% | $6,925+24.9% |