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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 | $53,852 | $75,541-28.7% | $152,093-64.6% | $82,637-34.8% |
| Participation rate | 45.5% | 66.5%-21.1pp | 77.8%-32.3pp | 68.1%-22.6pp |
| Annual return | 12.79% | 32.56%-19.8pp | 66.36%-53.6pp | 53.51%-40.7pp |
| Employer contribution / active EE | $562 | $2,622-78.6% | $4,175-86.5% | $2,552-78.0% |
| Participant deferral / active EE | $2,554 | $3,206-20.3% | $5,451-53.1% | $4,126-38.1% |
| Admin fee / account holder | $2,623 | $6,405-59.0% | $14,497-81.9% | $7,339-64.3% |