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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 | $62,225 | $78,423-20.7% | $95,964-35.2% | $79,856-22.1% |
| Participation rate | 48.0% | 73.5%-25.5pp | 77.1%-29.1pp | 69.6%-21.6pp |
| Annual return | 5.76% | 19.37%-13.6pp | 91.64%-85.9pp | 31.71%-25.9pp |
| Employer contribution / active EE | $1,185 | $1,945-39.1% | $2,541-53.4% | $2,471-52.0% |
| Participant deferral / active EE | $2,331 | $3,440-32.3% | $4,167-44.1% | $3,741-37.7% |
| Admin fee / account holder | $4,375 | $5,622-22.2% | $6,797-35.6% | $5,306-17.6% |