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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 | $46,207 | $87,166-47.0% | $76,735-39.8% | $137,256-66.3% |
| Participation rate | 42.9% | 74.4%-31.5pp | 69.5%-26.6pp | 80.0%-37.1pp |
| Annual return | 10.31% | 26.50%-16.2pp | 29.77%-19.5pp | 220.34%-210.0pp |
| Employer contribution / active EE | $1,159 | $2,904-60.1% | $2,454-52.8% | $4,156-72.1% |
| Participant deferral / active EE | $1,389 | $4,726-70.6% | $4,088-66.0% | $6,407-78.3% |
| Admin fee / account holder | $982 | $8,403-88.3% | $7,189-86.3% | $12,270-92.0% |