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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 | $48,109 | $63,809-24.6% | $81,353-40.9% | $80,935-40.6% |
| Participation rate | 45.7% | 63.9%-18.2pp | 69.5%-23.8pp | 67.7%-21.9pp |
| Annual return | 9.64% | 16.37%-6.7pp | 24.82%-15.2pp | 35.66%-26.0pp |
| Employer contribution / active EE | $1,690 | $1,981-14.7% | $2,464-31.4% | $2,757-38.7% |
| Participant deferral / active EE | $2,931 | $3,093-5.2% | $3,885-24.5% | $4,299-31.8% |
| Admin fee / account holder | $5,208 | $5,686-8.4% | $5,766-9.7% | $6,924-24.8% |