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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 | $51,855 | $73,787-29.7% | $98,716-47.5% | $82,448-37.1% |
| Participation rate | 44.0% | 61.4%-17.4pp | 69.3%-25.3pp | 68.1%-24.1pp |
| Annual return | 9.80% | 18.57%-8.8pp | 31.81%-22.0pp | 41.64%-31.8pp |
| Employer contribution / active EE | $1,559 | $1,511+3.2% | $2,279-31.6% | $2,551-38.9% |
| Participant deferral / active EE | $3,558 | $3,081+15.5% | $4,048-12.1% | $4,139-14.1% |
| Admin fee / account holder | $451 | $6,500-93.1% | $8,703-94.8% | $7,234-93.8% |