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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 | $46,679 | $88,042-47.0% | $138,135-66.2% | $79,852-41.5% |
| Participation rate | 68.5% | 71.4%-2.9pp | 78.7%-10.2pp | 69.6%-1.1pp |
| Annual return | 1.03% | 20.58%-19.5pp | 20.51%-19.5pp | 31.72%-30.7pp |
| Employer contribution / active EE | $3,528 | $3,103+13.7% | $5,587-36.8% | $2,471+42.8% |
| Participant deferral / active EE | $5,245 | $4,704+11.5% | $6,431-18.4% | $3,740+40.2% |
| Admin fee / account holder | $18,825 | $7,791+141.6% | $11,856+58.8% | $5,306+254.8% |