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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 | $57,356 | $77,638-26.1% | $156,551-63.4% | $62,881-8.8% |
| Participation rate | 58.1% | 71.2%-13.1pp | 84.0%-25.9pp | 69.3%-11.2pp |
| Annual return | 3.48% | 50.33%-46.8pp | 32.23%-28.7pp | 20.14%-16.7pp |
| Employer contribution / active EE | $2,198 | $3,444-36.2% | $5,501-60.0% | $2,281-3.6% |
| Participant deferral / active EE | $4,121 | $3,046+35.3% | $4,871-15.4% | $3,203+28.7% |
| Admin fee / account holder | $4,500 | $5,561-19.1% | $13,028-65.5% | $4,296+4.8% |