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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 | $66,365 | $76,551-13.3% | $123,894-46.4% | $62,881+5.5% |
| Participation rate | 43.3% | 73.0%-29.6pp | 81.4%-38.1pp | 69.3%-26.0pp |
| Annual return | 5.10% | 18.68%-13.6pp | 47.52%-42.4pp | 20.14%-15.0pp |
| Employer contribution / active EE | $1,435 | $2,882-50.2% | $4,617-68.9% | $2,281-37.1% |
| Participant deferral / active EE | $2,799 | $4,840-42.2% | $5,984-53.2% | $3,203-12.6% |
| Admin fee / account holder | $495 | $4,826-89.7% | $8,357-94.1% | $4,296-88.5% |