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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 | $52,658 | $81,358-35.3% | $155,556-66.1% | $80,959-35.0% |
| Participation rate | 55.2% | 66.3%-11.1pp | 78.2%-23.1pp | 67.7%-12.5pp |
| Annual return | 4.87% | 33.39%-28.5pp | 64.84%-60.0pp | 35.67%-30.8pp |
| Employer contribution / active EE | $2,964 | $3,106-4.6% | $4,675-36.6% | $2,757+7.5% |
| Participant deferral / active EE | $2,454 | $3,455-29.0% | $5,631-56.4% | $4,300-42.9% |
| Admin fee / account holder | $55,891 | $7,994+599.2% | $15,885+251.8% | $6,925+707.0% |