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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 | $21,605 | $76,551-71.8% | $123,894-82.6% | $62,881-65.6% |
| Participation rate | 48.4% | 73.0%-24.6pp | 81.4%-33.0pp | 69.3%-20.9pp |
| Annual return | 1.81% | 18.68%-16.9pp | 47.52%-45.7pp | 20.14%-18.3pp |
| Employer contribution / active EE | $2,172 | $2,882-24.7% | $4,617-53.0% | $2,281-4.8% |
| Participant deferral / active EE | $4,660 | $4,840-3.7% | $5,984-22.1% | $3,203+45.5% |
| Admin fee / account holder | $4,334 | $4,826-10.2% | $8,357-48.1% | $4,296+0.9% |