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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 | $58,793 | $93,589-37.2% | $135,942-56.8% | $75,181-21.8% |
| Participation rate | 54.3% | 75.2%-20.8pp | 81.9%-27.6pp | 67.2%-12.9pp |
| Annual return | 12.73% | 30.90%-18.2pp | 68.28%-55.5pp | 160.69%-148.0pp |
| Employer contribution / active EE | $1,525 | $3,537-56.9% | $4,858-68.6% | $2,671-42.9% |
| Participant deferral / active EE | $2,888 | $6,405-54.9% | $7,759-62.8% | $4,126-30.0% |
| Admin fee / account holder | $1,604 | $6,977-77.0% | $10,764-85.1% | $5,650-71.6% |