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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 | $46,957 | $72,027-34.8% | $185,861-74.7% | $79,856-41.2% |
| Participation rate | 61.8% | 65.8%-4.0pp | 78.0%-16.3pp | 69.6%-7.9pp |
| Annual return | 10.84% | 23.13%-12.3pp | 35.96%-25.1pp | 31.71%-20.9pp |
| Employer contribution / active EE | $1,241 | $1,965-36.8% | $4,088-69.6% | $2,471-49.8% |
| Participant deferral / active EE | $2,223 | $3,780-41.2% | $5,634-60.5% | $3,741-40.6% |
| Admin fee / account holder | $2,150 | $4,513-52.4% | $9,503-77.4% | $5,306-59.5% |