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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 | $61,214 | $70,532-13.2% | $68,948-11.2% | $137,256-55.4% |
| Participation rate | 50.0% | 81.0%-31.0pp | 79.2%-29.2pp | 80.0%-30.0pp |
| Annual return | 13.77% | 32.56%-18.8pp | 28.39%-14.6pp | 220.34%-206.6pp |
| Employer contribution / active EE | $2,455 | $4,355-43.6% | $4,165-41.0% | $4,156-40.9% |
| Participant deferral / active EE | $4,755 | $6,773-29.8% | $6,186-23.1% | $6,407-25.8% |
| Admin fee / account holder | $3,856 | $7,916-51.3% | $7,539-48.9% | $12,270-68.6% |