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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 | $53,632 | $57,119-6.1% | $85,187-37.0% | $80,935-33.7% |
| Participation rate | 52.1% | 56.4%-4.3pp | 67.5%-15.4pp | 67.7%-15.6pp |
| Annual return | 5.63% | 21.70%-16.1pp | 66.67%-61.0pp | 35.66%-30.0pp |
| Employer contribution / active EE | $1,622 | $1,802-9.9% | $2,732-40.6% | $2,757-41.1% |
| Participant deferral / active EE | $3,319 | $3,115+6.5% | $4,525-26.7% | $4,299-22.8% |
| Admin fee / account holder | $7,900 | $4,990+58.3% | $6,162+28.2% | $6,924+14.1% |