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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 | $31,195 | $54,757-43.0% | $90,304-65.5% | $72,975-57.3% |
| Participation rate | 50.0% | 65.2%-15.2pp | 73.3%-23.3pp | 69.5%-19.5pp |
| Annual return | 15.95% | 30.63%-14.7pp | 78.13%-62.2pp | 81.01%-65.1pp |
| Employer contribution / active EE | $1,828 | $2,093-12.7% | $2,855-36.0% | $2,440-25.1% |
| Participant deferral / active EE | $2,953 | $2,887+2.3% | $3,885-24.0% | $3,608-18.1% |
| Admin fee / account holder | $3,684 | $3,973-7.3% | $5,354-31.2% | $5,124-28.1% |