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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 | $53,827 | $86,949-38.1% | $102,460-47.5% | $80,959-33.5% |
| Participation rate | 42.0% | 72.4%-30.4pp | 76.5%-34.5pp | 67.7%-25.6pp |
| Annual return | 10.07% | 18.89%-8.8pp | 29.47%-19.4pp | 35.67%-25.6pp |
| Employer contribution / active EE | $1,268 | $2,370-46.5% | $3,025-58.1% | $2,757-54.0% |
| Participant deferral / active EE | $3,712 | $4,121-9.9% | $5,056-26.6% | $4,300-13.7% |
| Admin fee / account holder | $1,110 | $8,048-86.2% | $9,460-88.3% | $6,925-84.0% |