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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 | $49,231 | $54,541-9.7% | $78,778-37.5% | $70,131-29.8% |
| Participation rate | 58.5% | 60.8%-2.3pp | 69.2%-10.7pp | 69.5%-11.0pp |
| Annual return | 11.41% | 21.07%-9.7pp | 35.62%-24.2pp | 73.14%-61.7pp |
| Employer contribution / active EE | $554 | $1,089-49.1% | $1,986-72.1% | $2,342-76.3% |
| Participant deferral / active EE | $1,405 | $2,210-36.4% | $2,958-52.5% | $3,332-57.8% |
| Admin fee / account holder | $4,029 | $3,709+8.7% | $5,134-21.5% | $4,645-13.3% |