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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 | $56,290 | $65,027-13.4% | $90,970-38.1% | $79,852-29.5% |
| Participation rate | 53.6% | 61.6%-8.0pp | 69.0%-15.4pp | 69.6%-16.1pp |
| Annual return | 4.96% | 30.45%-25.5pp | 134.58%-129.6pp | 31.72%-26.8pp |
| Employer contribution / active EE | $253 | $1,247-79.7% | $2,122-88.1% | $2,471-89.8% |
| Participant deferral / active EE | $1,695 | $2,512-32.5% | $3,373-49.7% | $3,740-54.7% |
| Admin fee / account holder | $3,843 | $4,535-15.3% | $5,960-35.5% | $5,306-27.6% |