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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 | $54,110 | $60,442-10.5% | $96,754-44.1% | $87,485-38.1% |
| Participation rate | 48.6% | 58.7%-10.1pp | 70.3%-21.7pp | 68.9%-20.4pp |
| Annual return | 10.12% | 21.97%-11.9pp | 82.04%-71.9pp | 26.06%-15.9pp |
| Employer contribution / active EE | $1,631 | $1,691-3.5% | $2,679-39.1% | $2,596-37.2% |
| Participant deferral / active EE | $2,349 | $3,280-28.4% | $4,758-50.6% | $4,274-45.0% |
| Admin fee / account holder | $2,121 | $5,069-58.2% | $8,905-76.2% | $7,775-72.7% |