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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 | $56,106 | $90,400-37.9% | $186,193-69.9% | $87,485-35.9% |
| Participation rate | 50.8% | 66.2%-15.4pp | 77.1%-26.3pp | 68.9%-18.1pp |
| Annual return | 12.40% | 22.15%-9.7pp | 78.03%-65.6pp | 26.06%-13.7pp |
| Employer contribution / active EE | $1,428 | $2,170-34.2% | $3,918-63.5% | $2,596-45.0% |
| Participant deferral / active EE | $3,471 | $4,330-19.8% | $6,513-46.7% | $4,274-18.8% |
| Admin fee / account holder | $3,938 | $8,673-54.6% | $11,058-64.4% | $7,775-49.3% |