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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 | $52,088 | $62,672-16.9% | $185,117-71.9% | $70,126-25.7% |
| Participation rate | 19.1% | 63.8%-44.6pp | 77.3%-58.1pp | 69.5%-50.4pp |
| Annual return | 1.85% | 40.79%-38.9pp | 40.50%-38.7pp | 73.15%-71.3pp |
| Employer contribution / active EE | $905 | $1,753-48.4% | $4,182-78.4% | $2,343-61.4% |
| Participant deferral / active EE | $2,409 | $3,272-26.4% | $5,045-52.3% | $3,332-27.7% |
| Admin fee / account holder | $2,708 | $3,932-31.1% | $8,159-66.8% | $4,645-41.7% |