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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 | $59,709 | $60,442-1.2% | $96,754-38.3% | $87,485-31.7% |
| Participation rate | 49.0% | 58.7%-9.7pp | 70.3%-21.3pp | 68.9%-20.0pp |
| Annual return | 11.54% | 21.97%-10.4pp | 82.04%-70.5pp | 26.06%-14.5pp |
| Employer contribution / active EE | $542 | $1,691-68.0% | $2,679-79.8% | $2,596-79.1% |
| Participant deferral / active EE | $5,606 | $3,280+70.9% | $4,758+17.8% | $4,274+31.2% |
| Admin fee / account holder | $2,590 | $5,069-48.9% | $8,905-70.9% | $7,775-66.7% |