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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 | $53,344 | $72,269-26.2% | $101,271-47.3% | $79,852-33.2% |
| Participation rate | 48.3% | 68.5%-20.1pp | 75.8%-27.5pp | 69.6%-21.3pp |
| Annual return | 9.38% | 22.29%-12.9pp | 46.48%-37.1pp | 31.72%-22.3pp |
| Employer contribution / active EE | $1,124 | $2,692-58.3% | $3,660-69.3% | $2,471-54.5% |
| Participant deferral / active EE | $1,869 | $3,282-43.1% | $4,371-57.2% | $3,740-50.0% |
| Admin fee / account holder | $5,683 | $4,401+29.1% | $5,948-4.5% | $5,306+7.1% |