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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 | $52,475 | $81,504-35.6% | $102,437-48.8% | $80,959-35.2% |
| Participation rate | 46.4% | 66.9%-20.4pp | 74.5%-28.1pp | 67.7%-21.2pp |
| Annual return | 10.36% | 25.60%-15.2pp | 24.95%-14.6pp | 35.67%-25.3pp |
| Employer contribution / active EE | $1,602 | $3,104-48.4% | $3,871-58.6% | $2,757-41.9% |
| Participant deferral / active EE | $2,515 | $3,871-35.0% | $5,060-50.3% | $4,300-41.5% |
| Admin fee / account holder | $3,379 | $6,719-49.7% | $8,388-59.7% | $6,925-51.2% |