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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 | $74,535-30.4% | $100,712-48.5% | $82,637-37.2% |
| Participation rate | 44.0% | 61.2%-17.2pp | 69.3%-25.3pp | 68.1%-24.1pp |
| Annual return | 9.80% | 18.92%-9.1pp | 33.27%-23.5pp | 53.51%-43.7pp |
| Employer contribution / active EE | $1,559 | $1,503+3.8% | $2,313-32.6% | $2,552-38.9% |
| Participant deferral / active EE | $3,558 | $3,074+15.7% | $4,085-12.9% | $4,126-13.8% |
| Admin fee / account holder | $451 | $6,576-93.1% | $9,256-95.1% | $7,339-93.9% |