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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 | $54,363 | $109,782-50.5% | $260,467-79.1% | $94,015-42.2% |
| Participation rate | 58.3% | 67.2%-8.9pp | 80.5%-22.1pp | 70.8%-12.5pp |
| Annual return | 11.25% | 18.60%-7.3pp | 100.60%-89.4pp | 17.84%-6.6pp |
| Employer contribution / active EE | $1,632 | $2,147-24.0% | $4,239-61.5% | $2,790-41.5% |
| Participant deferral / active EE | $3,338 | $4,044-17.5% | $6,319-47.2% | $4,249-21.5% |
| Admin fee / account holder | $2,242 | $11,958-81.3% | $15,461-85.5% | $8,951-75.0% |