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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 | $81,331-35.3% | $155,534-66.1% | $80,935-34.9% |
| Participation rate | 55.2% | 66.3%-11.1pp | 78.2%-23.0pp | 67.7%-12.5pp |
| Annual return | 4.87% | 33.37%-28.5pp | 64.92%-60.0pp | 35.66%-30.8pp |
| Employer contribution / active EE | $2,964 | $3,105-4.5% | $4,675-36.6% | $2,757+7.5% |
| Participant deferral / active EE | $2,454 | $3,454-28.9% | $5,630-56.4% | $4,299-42.9% |
| Admin fee / account holder | $55,891 | $7,999+598.7% | $15,900+251.5% | $6,924+707.2% |