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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 | $54,840 | $46,877+17.0% | $122,354-55.2% | $70,124-21.8% |
| Participation rate | 55.9% | 58.2%-2.3pp | 71.6%-15.8pp | 69.5%-13.7pp |
| Annual return | 11.51% | 24.22%-12.7pp | 30.28%-18.8pp | 73.14%-61.6pp |
| Employer contribution / active EE | $2,099 | $1,288+62.9% | $4,051-48.2% | $2,342-10.4% |
| Participant deferral / active EE | $2,992 | $2,167+38.1% | $3,287-9.0% | $3,332-10.2% |
| Admin fee / account holder | $3,322 | $3,3240% | $5,479-39.4% | $4,645-28.5% |