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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 | $52,820 | $76,551-31.0% | $123,894-57.4% | $62,881-16.0% |
| Participation rate | 47.8% | 73.0%-25.2pp | 81.4%-33.6pp | 69.3%-21.5pp |
| Annual return | 4.89% | 18.68%-13.8pp | 47.52%-42.6pp | 20.14%-15.3pp |
| Employer contribution / active EE | $1,476 | $2,882-48.8% | $4,617-68.0% | $2,281-35.3% |
| Participant deferral / active EE | $5,616 | $4,840+16.0% | $5,984-6.2% | $3,203+75.3% |
| Admin fee / account holder | $8,059 | $4,826+67.0% | $8,357-3.6% | $4,296+87.6% |