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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 | $58,421 | $53,774+8.6% | $134,162-56.5% | $79,852-26.8% |
| Participation rate | 43.9% | 58.8%-14.9pp | 72.2%-28.3pp | 69.6%-25.7pp |
| Annual return | 8.79% | 19.01%-10.2pp | 36.35%-27.6pp | 31.72%-22.9pp |
| Employer contribution / active EE | $1,063 | $1,322-19.6% | $3,705-71.3% | $2,471-57.0% |
| Participant deferral / active EE | $1,279 | $2,420-47.2% | $3,500-63.5% | $3,740-65.8% |
| Admin fee / account holder | $775 | $3,985-80.6% | $6,685-88.4% | $5,306-85.4% |