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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 | $51,610 | $65,364-21.0% | $92,909-44.5% | $72,975-29.3% |
| Participation rate | 42.9% | 68.3%-25.5pp | 76.0%-33.1pp | 69.5%-26.6pp |
| Annual return | 6.83% | 42.11%-35.3pp | 109.44%-102.6pp | 81.01%-74.2pp |
| Employer contribution / active EE | $1,400 | $2,594-46.0% | $3,653-61.7% | $2,440-42.6% |
| Participant deferral / active EE | $3,840 | $3,128+22.8% | $4,238-9.4% | $3,608+6.4% |
| Admin fee / account holder | $3,974 | $4,251-6.5% | $5,795-31.4% | $5,124-22.4% |