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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 | $73,787-35.6% | $98,716-51.9% | $82,448-42.4% |
| Participation rate | 53.8% | 61.4%-7.6pp | 69.3%-15.4pp | 68.1%-14.2pp |
| Annual return | 10.48% | 18.57%-8.1pp | 31.81%-21.3pp | 41.64%-31.2pp |
| Employer contribution / active EE | $2,308 | $1,511+52.7% | $2,279+1.3% | $2,551-9.5% |
| Participant deferral / active EE | $1,923 | $3,081-37.6% | $4,048-52.5% | $4,139-53.5% |
| Admin fee / account holder | $4,407 | $6,500-32.2% | $8,703-49.4% | $7,234-39.1% |