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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 | $48,874 | $65,712-25.6% | $57,196-14.5% | $273,972-82.2% |
| Participation rate | 63.2% | 78.3%-15.2pp | 75.3%-12.2pp | 83.0%-19.9pp |
| Annual return | -0.12% | 22.01%-22.1pp | 14.59%-14.7pp | 41.46%-41.6pp |
| Employer contribution / active EE | $1,748 | $3,280-46.7% | $2,683-34.9% | $4,869-64.1% |
| Participant deferral / active EE | $4,730 | $3,782+25.1% | $3,096+52.8% | $5,287-10.5% |
| Admin fee / account holder | $2,017 | $4,838-58.3% | $3,141-35.8% | $10,133-80.1% |