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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 | $48,650 | $78,690-38.2% | $161,489-69.9% | $87,485-44.4% |
| Participation rate | 59.3% | 67.5%-8.2pp | 78.7%-19.4pp | 68.9%-9.7pp |
| Annual return | 12.50% | 32.74%-20.2pp | 89.72%-77.2pp | 26.06%-13.6pp |
| Employer contribution / active EE | $1,844 | $2,588-28.8% | $4,268-56.8% | $2,596-29.0% |
| Participant deferral / active EE | $4,036 | $3,311+21.9% | $5,630-28.3% | $4,274-5.6% |
| Admin fee / account holder | $6,497 | $6,724-3.4% | $16,006-59.4% | $7,775-16.4% |