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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 | $58,482 | $68,880-15.1% | $120,580-51.5% | $80,959-27.8% |
| Participation rate | 54.5% | 61.7%-7.2pp | 72.0%-17.4pp | 67.7%-13.1pp |
| Annual return | 8.85% | 23.68%-14.8pp | 107.48%-98.6pp | 35.67%-26.8pp |
| Employer contribution / active EE | $1,510 | $2,066-26.9% | $3,469-56.5% | $2,757-45.2% |
| Participant deferral / active EE | $3,944 | $3,191+23.6% | $4,995-21.0% | $4,300-8.3% |
| Admin fee / account holder | $25,826 | $5,785+346.4% | $9,418+174.2% | $6,925+272.9% |