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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 | $59,540 | $81,358-26.8% | $155,556-61.7% | $80,959-26.5% |
| Participation rate | 47.5% | 66.3%-18.8pp | 78.2%-30.7pp | 67.7%-20.2pp |
| Annual return | 8.51% | 33.39%-24.9pp | 64.84%-56.3pp | 35.67%-27.2pp |
| Employer contribution / active EE | $885 | $3,106-71.5% | $4,675-81.1% | $2,757-67.9% |
| Participant deferral / active EE | $1,535 | $3,455-55.6% | $5,631-72.7% | $4,300-64.3% |
| Admin fee / account holder | $28,860 | $7,994+261.0% | $15,885+81.7% | $6,925+316.7% |