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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 | $51,164 | $77,896-34.3% | $134,172-61.9% | $82,448-37.9% |
| Participation rate | 52.7% | 62.8%-10.1pp | 72.5%-19.7pp | 68.1%-15.3pp |
| Annual return | 9.27% | 18.21%-8.9pp | 25.30%-16.0pp | 41.64%-32.4pp |
| Employer contribution / active EE | $1,258 | $2,159-41.7% | $3,420-63.2% | $2,551-50.7% |
| Participant deferral / active EE | $1,720 | $3,162-45.6% | $4,690-63.3% | $4,139-58.4% |
| Admin fee / account holder | $669 | $6,336-89.4% | $12,016-94.4% | $7,234-90.8% |