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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 | $47,510 | $74,535-36.3% | $100,712-52.8% | $82,637-42.5% |
| Participation rate | 53.8% | 61.2%-7.3pp | 69.3%-15.4pp | 68.1%-14.2pp |
| Annual return | 10.48% | 18.92%-8.4pp | 33.27%-22.8pp | 53.51%-43.0pp |
| Employer contribution / active EE | $2,308 | $1,503+53.6% | $2,313-0.2% | $2,552-9.6% |
| Participant deferral / active EE | $1,923 | $3,074-37.4% | $4,085-52.9% | $4,126-53.4% |
| Admin fee / account holder | $4,407 | $6,576-33.0% | $9,256-52.4% | $7,339-39.9% |