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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 | $56,808 | $153,769-63.1% | $133,975-57.6% | $273,972-79.3% |
| Participation rate | 55.6% | 88.4%-32.8pp | 87.1%-31.5pp | 83.0%-27.5pp |
| Annual return | 1.83% | 36.51%-34.7pp | 29.29%-27.5pp | 41.46%-39.6pp |
| Employer contribution / active EE | $1,891 | $6,029-68.6% | $5,211-63.7% | $4,869-61.2% |
| Participant deferral / active EE | $3,178 | $6,958-54.3% | $6,282-49.4% | $5,287-39.9% |
| Admin fee / account holder | $533 | $11,765-95.5% | $9,324-94.3% | $10,133-94.7% |