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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 | $47,229 | $99,633-52.6% | $183,328-74.2% | $82,448-42.7% |
| Participation rate | 55.1% | 70.8%-15.7pp | 77.3%-22.3pp | 68.1%-13.0pp |
| Annual return | 10.10% | 17.84%-7.7pp | 29.67%-19.6pp | 41.64%-31.5pp |
| Employer contribution / active EE | $2,535 | $3,256-22.1% | $5,055-49.8% | $2,551-0.6% |
| Participant deferral / active EE | $3,298 | $4,938-33.2% | $6,795-51.5% | $4,139-20.3% |
| Admin fee / account holder | $12,325 | $9,934+24.1% | $21,427-42.5% | $7,234+70.4% |