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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 | $76,407-36.3% | $150,298-67.6% | $82,448-41.0% |
| Participation rate | 59.3% | 66.4%-7.1pp | 77.8%-18.5pp | 68.1%-8.8pp |
| Annual return | 12.50% | 39.99%-27.5pp | 62.79%-50.3pp | 41.64%-29.1pp |
| Employer contribution / active EE | $1,844 | $2,614-29.5% | $4,154-55.6% | $2,551-27.7% |
| Participant deferral / active EE | $4,036 | $3,214+25.6% | $5,453-26.0% | $4,139-2.5% |
| Admin fee / account holder | $6,497 | $6,352+2.3% | $14,116-54.0% | $7,234-10.2% |