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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 | $45,267 | $58,523-22.7% | $99,475-54.5% | $72,975-38.0% |
| Participation rate | 55.0% | 64.6%-9.6pp | 73.8%-18.8pp | 69.5%-14.5pp |
| Annual return | 11.91% | 28.51%-16.6pp | 30.72%-18.8pp | 81.01%-69.1pp |
| Employer contribution / active EE | $513 | $1,512-66.1% | $2,540-79.8% | $2,440-79.0% |
| Participant deferral / active EE | $1,356 | $2,606-48.0% | $3,619-62.5% | $3,608-62.4% |
| Admin fee / account holder | $4,516 | $4,102+10.1% | $6,252-27.8% | $5,124-11.9% |