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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 | $42,554 | $63,809-33.3% | $81,353-47.7% | $80,935-47.4% |
| Participation rate | 52.0% | 63.9%-11.9pp | 69.5%-17.5pp | 67.7%-15.7pp |
| Annual return | 9.64% | 16.37%-6.7pp | 24.82%-15.2pp | 35.66%-26.0pp |
| Employer contribution / active EE | $1,931 | $1,981-2.5% | $2,464-21.6% | $2,757-29.9% |
| Participant deferral / active EE | $3,848 | $3,093+24.4% | $3,885-0.9% | $4,299-10.5% |
| Admin fee / account holder | $18,647 | $5,686+228.0% | $5,766+223.4% | $6,924+169.3% |