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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 | $55,496 | $61,390-9.6% | $112,228-50.6% | $75,177-26.2% |
| Participation rate | 42.6% | 61.6%-19.0pp | 72.4%-29.8pp | 67.2%-24.6pp |
| Annual return | 6.06% | 28.47%-22.4pp | 30.23%-24.2pp | 160.75%-154.7pp |
| Employer contribution / active EE | $1,268 | $2,015-37.1% | $3,432-63.1% | $2,671-52.5% |
| Participant deferral / active EE | $2,576 | $3,108-17.1% | $4,800-46.3% | $4,126-37.6% |
| Admin fee / account holder | $5,138 | $4,862+5.7% | $7,752-33.7% | $5,651-9.1% |