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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 | $52,074 | $72,492-28.2% | $87,102-40.2% | $72,983-28.6% |
| Participation rate | 58.2% | 72.8%-14.6pp | 76.9%-18.6pp | 69.5%-11.3pp |
| Annual return | 1.03% | 24.46%-23.4pp | 28.19%-27.2pp | 81.01%-80.0pp |
| Employer contribution / active EE | $1,468 | $1,894-22.5% | $2,521-41.8% | $2,440-39.8% |
| Participant deferral / active EE | $2,029 | $3,270-37.9% | $4,048-49.9% | $3,608-43.8% |
| Admin fee / account holder | $5,735 | $5,055+13.4% | $7,491-23.4% | $5,124+11.9% |