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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 | $39,949 | $92,041-56.6% | $299,830-86.7% | $94,015-57.5% |
| Participation rate | 50.0% | 71.4%-21.4pp | 78.5%-28.5pp | 70.8%-20.8pp |
| Annual return | 5.86% | 15.24%-9.4pp | 10.58%-4.7pp | 17.84%-12.0pp |
| Employer contribution / active EE | $2,293 | $2,506-8.5% | $5,842-60.7% | $2,790-17.8% |
| Participant deferral / active EE | $2,618 | $4,287-38.9% | $7,038-62.8% | $4,249-38.4% |
| Admin fee / account holder | $5,077 | $8,997-43.6% | $50,982-90.0% | $8,951-43.3% |