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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 | $57,570 | $86,949-33.8% | $102,460-43.8% | $80,959-28.9% |
| Participation rate | 52.6% | 72.4%-19.8pp | 76.5%-23.9pp | 67.7%-15.0pp |
| Annual return | 10.34% | 18.89%-8.6pp | 29.47%-19.1pp | 35.67%-25.3pp |
| Employer contribution / active EE | $1,896 | $2,370-20.0% | $3,025-37.3% | $2,757-31.2% |
| Participant deferral / active EE | $3,887 | $4,121-5.7% | $5,056-23.1% | $4,300-9.6% |
| Admin fee / account holder | $11,341 | $8,048+40.9% | $9,460+19.9% | $6,925+63.8% |