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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 | $55,237 | $81,331-32.1% | $155,534-64.5% | $80,935-31.8% |
| Participation rate | 54.8% | 66.3%-11.4pp | 78.2%-23.4pp | 67.7%-12.8pp |
| Annual return | 9.85% | 33.37%-23.5pp | 64.92%-55.1pp | 35.66%-25.8pp |
| Employer contribution / active EE | $2,068 | $3,105-33.4% | $4,675-55.8% | $2,757-25.0% |
| Participant deferral / active EE | $4,220 | $3,454+22.2% | $5,630-25.0% | $4,299-1.8% |
| Admin fee / account holder | $1,547 | $7,999-80.7% | $15,900-90.3% | $6,924-77.7% |