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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 | $51,677 | $76,551-32.5% | $123,894-58.3% | $62,881-17.8% |
| Participation rate | 58.3% | 73.0%-14.6pp | 81.4%-23.1pp | 69.3%-11.0pp |
| Annual return | 5.29% | 18.68%-13.4pp | 47.52%-42.2pp | 20.14%-14.8pp |
| Employer contribution / active EE | $1,806 | $2,882-37.3% | $4,617-60.9% | $2,281-20.8% |
| Participant deferral / active EE | $2,242 | $4,840-53.7% | $5,984-62.5% | $3,203-30.0% |
| Admin fee / account holder | $4,206 | $4,826-12.8% | $8,357-49.7% | $4,296-2.1% |