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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 | $47,904 | $65,367-26.7% | $92,915-48.4% | $72,976-34.4% |
| Participation rate | 51.7% | 68.3%-16.6pp | 76.0%-24.3pp | 69.5%-17.8pp |
| Annual return | 2.55% | 42.11%-39.6pp | 109.45%-106.9pp | 81.02%-78.5pp |
| Employer contribution / active EE | $1,462 | $2,594-43.6% | $3,653-60.0% | $2,440-40.1% |
| Participant deferral / active EE | $1,752 | $3,128-44.0% | $4,238-58.7% | $3,608-51.4% |
| Admin fee / account holder | $1,684 | $4,251-60.4% | $5,796-70.9% | $5,124-67.1% |