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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 | $37,531 | $47,848-21.6% | $81,473-53.9% | $70,126-46.5% |
| Participation rate | 55.8% | 58.3%-2.5pp | 68.0%-12.2pp | 69.5%-13.8pp |
| Annual return | 9.91% | 27.25%-17.3pp | 38.78%-28.9pp | 73.15%-63.2pp |
| Employer contribution / active EE | $1,230 | $1,527-19.5% | $2,568-52.1% | $2,343-47.5% |
| Participant deferral / active EE | $2,146 | $2,453-12.5% | $3,537-39.3% | $3,332-35.6% |
| Admin fee / account holder | $4,728 | $3,145+50.3% | $4,561+3.6% | $4,645+1.8% |