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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 | $40,386 | $62,672-35.6% | $185,117-78.2% | $70,126-42.4% |
| Participation rate | 52.1% | 63.8%-11.7pp | 77.3%-25.2pp | 69.5%-17.4pp |
| Annual return | 12.22% | 40.79%-28.6pp | 40.50%-28.3pp | 73.15%-60.9pp |
| Employer contribution / active EE | $1,162 | $1,753-33.7% | $4,182-72.2% | $2,343-50.4% |
| Participant deferral / active EE | $1,918 | $3,272-41.4% | $5,045-62.0% | $3,332-42.4% |
| Admin fee / account holder | $2,861 | $3,932-27.2% | $8,159-64.9% | $4,645-38.4% |