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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 | $50,043 | $69,444-27.9% | $92,985-46.2% | $87,485-42.8% |
| Participation rate | 53.3% | 63.3%-10.0pp | 69.5%-16.2pp | 68.9%-15.6pp |
| Annual return | 12.24% | 23.85%-11.6pp | 27.99%-15.8pp | 26.06%-13.8pp |
| Employer contribution / active EE | $624 | $1,917-67.4% | $2,662-76.5% | $2,596-76.0% |
| Participant deferral / active EE | $2,891 | $3,364-14.1% | $4,377-33.9% | $4,274-32.3% |
| Admin fee / account holder | $6,605 | $6,137+7.6% | $9,463-30.2% | $7,775-15.0% |