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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 | $60,514 | $72,269-16.3% | $101,271-40.2% | $79,852-24.2% |
| Participation rate | 50.0% | 68.5%-18.5pp | 75.8%-25.8pp | 69.6%-19.6pp |
| Annual return | 4.92% | 22.29%-17.4pp | 46.48%-41.6pp | 31.72%-26.8pp |
| Employer contribution / active EE | $1,151 | $2,692-57.2% | $3,660-68.5% | $2,471-53.4% |
| Participant deferral / active EE | $1,768 | $3,282-46.1% | $4,371-59.5% | $3,740-52.7% |
| Admin fee / account holder | $2,029 | $4,401-53.9% | $5,948-65.9% | $5,306-61.8% |