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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 | $51,894 | $69,444-25.3% | $92,985-44.2% | $87,485-40.7% |
| Participation rate | 48.0% | 63.3%-15.3pp | 69.5%-21.5pp | 68.9%-20.9pp |
| Annual return | 11.94% | 23.85%-11.9pp | 27.99%-16.0pp | 26.06%-14.1pp |
| Employer contribution / active EE | $1,805 | $1,917-5.9% | $2,662-32.2% | $2,596-30.5% |
| Participant deferral / active EE | $3,803 | $3,364+13.0% | $4,377-13.1% | $4,274-11.0% |
| Admin fee / account holder | $9,155 | $6,137+49.2% | $9,463-3.3% | $7,775+17.8% |