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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 | $52,052 | $76,107-31.6% | $96,576-46.1% | $71,495-27.2% |
| Participation rate | 47.6% | 74.4%-26.8pp | 76.0%-28.4pp | 67.9%-20.3pp |
| Annual return | 10.93% | 22.81%-11.9pp | 25.87%-14.9pp | 28.85%-17.9pp |
| Employer contribution / active EE | $1,322 | $2,247-41.2% | $2,965-55.4% | $2,589-48.9% |
| Participant deferral / active EE | $2,545 | $4,218-39.7% | $4,851-47.5% | $4,291-40.7% |
| Admin fee / account holder | $6,529 | $2,708+141.1% | $8,253-20.9% | $1,588+311.2% |