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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 | $49,840 | $125,797-60.4% | $170,043-70.7% | $75,173-33.7% |
| Participation rate | 52.0% | 83.6%-31.6pp | 87.0%-35.0pp | 67.2%-15.2pp |
| Annual return | 13.09% | 27.20%-14.1pp | 53.40%-40.3pp | 160.72%-147.6pp |
| Employer contribution / active EE | $1,726 | $4,616-62.6% | $6,790-74.6% | $2,671-35.4% |
| Participant deferral / active EE | $4,129 | $6,838-39.6% | $10,410-60.3% | $4,126+0.1% |
| Admin fee / account holder | $7,660 | $8,177-6.3% | $12,824-40.3% | $5,651+35.6% |