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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 | $100,784-60.4% | $191,597-79.1% | $82,637-51.7% |
| Participation rate | 50.0% | 70.5%-20.5pp | 76.9%-26.9pp | 68.1%-18.1pp |
| Annual return | 5.86% | 18.13%-12.3pp | 27.07%-21.2pp | 53.51%-47.6pp |
| Employer contribution / active EE | $2,293 | $3,102-26.1% | $5,025-54.4% | $2,552-10.1% |
| Participant deferral / active EE | $2,618 | $4,937-47.0% | $6,850-61.8% | $4,126-36.6% |
| Admin fee / account holder | $5,077 | $10,062-49.5% | $22,799-77.7% | $7,339-30.8% |