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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 | $54,613 | $106,864-48.9% | $147,318-62.9% | $82,637-33.9% |
| Participation rate | 43.2% | 75.5%-32.3pp | 82.1%-38.9pp | 68.1%-24.9pp |
| Annual return | 13.30% | 27.49%-14.2pp | 70.43%-57.1pp | 53.51%-40.2pp |
| Employer contribution / active EE | $1,422 | $3,417-58.4% | $4,593-69.0% | $2,552-44.3% |
| Participant deferral / active EE | $4,228 | $6,496-34.9% | $7,906-46.5% | $4,126+2.5% |
| Admin fee / account holder | $11,895 | $8,415+41.4% | $13,708-13.2% | $7,339+62.1% |