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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 | $99,633-59.9% | $183,328-78.2% | $82,448-51.5% |
| Participation rate | 50.0% | 70.8%-20.8pp | 77.3%-27.3pp | 68.1%-18.1pp |
| Annual return | 5.86% | 17.84%-12.0pp | 29.67%-23.8pp | 41.64%-35.8pp |
| Employer contribution / active EE | $2,293 | $3,256-29.6% | $5,055-54.6% | $2,551-10.1% |
| Participant deferral / active EE | $2,618 | $4,938-47.0% | $6,795-61.5% | $4,139-36.8% |
| Admin fee / account holder | $5,077 | $9,934-48.9% | $21,427-76.3% | $7,234-29.8% |