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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 | $49,704 | $72,272-31.2% | $101,264-50.9% | $79,858-37.8% |
| Participation rate | 60.0% | 68.5%-8.5pp | 75.8%-15.8pp | 69.6%-9.6pp |
| Annual return | 7.03% | 22.30%-15.3pp | 46.48%-39.5pp | 31.72%-24.7pp |
| Employer contribution / active EE | $1,731 | $2,692-35.7% | $3,660-52.7% | $2,471-29.9% |
| Participant deferral / active EE | $2,233 | $3,282-32.0% | $4,370-48.9% | $3,740-40.3% |
| Admin fee / account holder | $24,173 | $4,401+449.3% | $5,947+306.5% | $5,306+355.6% |