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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 | $46,648 | $76,551-39.1% | $123,894-62.3% | $62,881-25.8% |
| Participation rate | 48.6% | 73.0%-24.4pp | 81.4%-32.8pp | 69.3%-20.7pp |
| Annual return | 5.19% | 18.68%-13.5pp | 47.52%-42.3pp | 20.14%-14.9pp |
| Employer contribution / active EE | $1,787 | $2,882-38.0% | $4,617-61.3% | $2,281-21.6% |
| Participant deferral / active EE | $4,461 | $4,840-7.8% | $5,984-25.4% | $3,203+39.3% |
| Admin fee / account holder | $6,879 | $4,826+42.6% | $8,357-17.7% | $4,296+60.1% |