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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 | $58,627-14.6% | $76,735-34.8% | $82,448-39.3% |
| Participation rate | 53.3% | 63.2%-9.9pp | 69.5%-16.2pp | 68.1%-14.7pp |
| Annual return | 12.24% | 39.10%-26.9pp | 29.77%-17.5pp | 41.64%-29.4pp |
| Employer contribution / active EE | $624 | $1,729-63.9% | $2,454-74.6% | $2,551-75.5% |
| Participant deferral / active EE | $2,891 | $3,134-7.7% | $4,088-29.3% | $4,139-30.2% |
| Admin fee / account holder | $6,605 | $5,323+24.1% | $7,189-8.1% | $7,234-8.7% |