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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 | $53,450 | $65,034-17.8% | $90,970-41.2% | $79,856-33.1% |
| Participation rate | 37.5% | 61.6%-24.1pp | 69.0%-31.5pp | 69.6%-32.1pp |
| Annual return | 9.72% | 30.45%-20.7pp | 134.60%-124.9pp | 31.71%-22.0pp |
| Employer contribution / active EE | $1,452 | $1,247+16.4% | $2,122-31.6% | $2,471-41.3% |
| Participant deferral / active EE | $2,437 | $2,512-3.0% | $3,373-27.7% | $3,741-34.8% |
| Admin fee / account holder | $468 | $4,536-89.7% | $5,961-92.2% | $5,306-91.2% |