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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 | $53,724 | $72,269-25.7% | $101,271-47.0% | $79,852-32.7% |
| Participation rate | 48.1% | 68.5%-20.4pp | 75.8%-27.7pp | 69.6%-21.5pp |
| Annual return | -4.15% | 22.29%-26.4pp | 46.48%-50.6pp | 31.72%-35.9pp |
| Employer contribution / active EE | $1,608 | $2,692-40.2% | $3,660-56.1% | $2,471-34.9% |
| Participant deferral / active EE | $3,476 | $3,282+5.9% | $4,371-20.5% | $3,740-7.1% |
| Admin fee / account holder | $5,318 | $4,401+20.8% | $5,948-10.6% | $5,306+0.2% |