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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 | $64,517-25.4% | $81,438-40.9% | $80,874-40.5% |
| Participation rate | 45.7% | 63.9%-18.2pp | 69.5%-23.8pp | 67.6%-21.9pp |
| Annual return | 9.64% | 16.35%-6.7pp | 24.74%-15.1pp | 35.62%-26.0pp |
| Employer contribution / active EE | $1,690 | $1,982-14.7% | $2,460-31.3% | $2,756-38.7% |
| Participant deferral / active EE | $2,931 | $3,096-5.3% | $3,883-24.5% | $4,297-31.8% |
| Admin fee / account holder | $5,208 | $5,677-8.3% | $5,764-9.6% | $6,935-24.9% |