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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 | $43,216 | $86,949-50.3% | $102,460-57.8% | $80,959-46.6% |
| Participation rate | 61.4% | 72.4%-11.0pp | 76.5%-15.1pp | 67.7%-6.3pp |
| Annual return | 10.04% | 18.89%-8.9pp | 29.47%-19.4pp | 35.67%-25.6pp |
| Employer contribution / active EE | $1,660 | $2,370-30.0% | $3,025-45.1% | $2,757-39.8% |
| Participant deferral / active EE | $3,966 | $4,121-3.8% | $5,056-21.6% | $4,300-7.8% |
| Admin fee / account holder | $2,514 | $8,048-68.8% | $9,460-73.4% | $6,925-63.7% |