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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 | $40,628 | $106,524-61.9% | $152,301-73.3% | $87,485-53.6% |
| Participation rate | 54.4% | 75.8%-21.3pp | 82.4%-28.0pp | 68.9%-14.5pp |
| Annual return | 11.73% | 26.89%-15.2pp | 80.50%-68.8pp | 26.06%-14.3pp |
| Employer contribution / active EE | $1,689 | $3,371-49.9% | $4,624-63.5% | $2,596-34.9% |
| Participant deferral / active EE | $3,353 | $6,525-48.6% | $8,004-58.1% | $4,274-21.5% |
| Admin fee / account holder | $12,194 | $8,287+47.2% | $14,398-15.3% | $7,775+56.8% |