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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 | $54,298 | $106,749-49.1% | $145,433-62.7% | $82,448-34.1% |
| Participation rate | 65.9% | 75.6%-9.8pp | 82.1%-16.3pp | 68.1%-2.2pp |
| Annual return | 13.85% | 27.59%-13.7pp | 66.58%-52.7pp | 41.64%-27.8pp |
| Employer contribution / active EE | $2,415 | $3,444-29.9% | $4,554-47.0% | $2,551-5.3% |
| Participant deferral / active EE | $5,931 | $6,519-9.0% | $7,897-24.9% | $4,139+43.3% |
| Admin fee / account holder | $5,222 | $8,390-37.8% | $13,129-60.2% | $7,234-27.8% |