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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 | $86,949-43.7% | $102,460-52.2% | $80,959-39.5% |
| Participation rate | 55.6% | 72.4%-16.8pp | 76.5%-21.0pp | 67.7%-12.1pp |
| Annual return | 5.90% | 18.89%-13.0pp | 29.47%-23.6pp | 35.67%-29.8pp |
| Employer contribution / active EE | $824 | $2,370-65.2% | $3,025-72.8% | $2,757-70.1% |
| Participant deferral / active EE | $3,160 | $4,121-23.3% | $5,056-37.5% | $4,300-26.5% |
| Admin fee / account holder | $10,548 | $8,048+31.1% | $9,460+11.5% | $6,925+52.3% |