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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 | $49,735 | $63,355-21.5% | $91,994-45.9% | $72,983-31.9% |
| Participation rate | 51.5% | 72.5%-21.0pp | 78.6%-27.1pp | 69.5%-18.0pp |
| Annual return | 18.92% | 35.35%-16.4pp | 69.03%-50.1pp | 81.01%-62.1pp |
| Employer contribution / active EE | $1,264 | $2,116-40.2% | $3,452-63.4% | $2,440-48.2% |
| Participant deferral / active EE | $2,499 | $4,883-48.8% | $5,923-57.8% | $3,608-30.7% |
| Admin fee / account holder | $1,721 | $4,668-63.1% | $7,743-77.8% | $5,124-66.4% |