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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 | $21,310 | $63,845-66.6% | $81,370-73.8% | $80,959-73.7% |
| Participation rate | 53.6% | 63.9%-10.3pp | 69.5%-15.9pp | 67.7%-14.0pp |
| Annual return | 5.00% | 16.37%-11.4pp | 24.85%-19.8pp | 35.67%-30.7pp |
| Employer contribution / active EE | $1,562 | $1,980-21.1% | $2,464-36.6% | $2,757-43.3% |
| Participant deferral / active EE | $2,836 | $3,093-8.3% | $3,885-27.0% | $4,300-34.0% |
| Admin fee / account holder | $2,871 | $5,688-49.5% | $5,749-50.1% | $6,925-58.5% |