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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 | $52,981 | $71,197-25.6% | $93,669-43.4% | $80,925-34.5% |
| Participation rate | 53.1% | 60.4%-7.3pp | 68.7%-15.6pp | 67.7%-14.5pp |
| Annual return | 8.61% | 11.27%-2.7pp | 133.59%-125.0pp | 35.65%-27.0pp |
| Employer contribution / active EE | $1,897 | $1,565+21.2% | $2,424-21.7% | $2,756-31.2% |
| Participant deferral / active EE | $2,908 | $4,036-27.9% | $4,416-34.1% | $4,299-32.4% |
| Admin fee / account holder | $16,641 | $6,959+139.1% | $8,291+100.7% | $6,940+139.8% |