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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 | $57,408 | $76,834-25.3% | $108,359-47.0% | $87,485-34.4% |
| Participation rate | 53.5% | 61.7%-8.2pp | 70.1%-16.6pp | 68.9%-15.4pp |
| Annual return | 3.63% | 19.09%-15.5pp | 36.89%-33.3pp | 26.06%-22.4pp |
| Employer contribution / active EE | $1,780 | $1,556+14.4% | $2,399-25.8% | $2,596-31.4% |
| Participant deferral / active EE | $3,388 | $3,100+9.3% | $4,137-18.1% | $4,274-20.7% |
| Admin fee / account holder | $16,396 | $6,537+150.8% | $9,741+68.3% | $7,775+110.9% |