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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 | $48,950 | $86,938-43.7% | $102,423-52.2% | $80,925-39.5% |
| Participation rate | 55.6% | 72.4%-16.8pp | 76.5%-20.9pp | 67.7%-12.1pp |
| Annual return | 5.90% | 18.89%-13.0pp | 29.42%-23.5pp | 35.65%-29.7pp |
| Employer contribution / active EE | $824 | $2,369-65.2% | $3,023-72.8% | $2,756-70.1% |
| Participant deferral / active EE | $3,160 | $4,120-23.3% | $5,054-37.5% | $4,299-26.5% |
| Admin fee / account holder | $10,548 | $8,053+31.0% | $9,455+11.6% | $6,940+52.0% |