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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 | $46,101 | $60,349-23.6% | $74,184-37.9% | $62,881-26.7% |
| Participation rate | 60.0% | 72.7%-12.7pp | 76.6%-16.6pp | 69.3%-9.3pp |
| Annual return | 4.10% | 21.38%-17.3pp | 17.74%-13.6pp | 20.14%-16.0pp |
| Employer contribution / active EE | $757 | $1,680-54.9% | $2,370-68.1% | $2,281-66.8% |
| Participant deferral / active EE | $1,514 | $2,856-47.0% | $3,550-57.3% | $3,203-52.7% |
| Admin fee / account holder | $2,231 | $4,261-47.6% | $5,586-60.1% | $4,296-48.1% |