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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 | $51,341 | $76,551-32.9% | $123,894-58.6% | $62,881-18.4% |
| Participation rate | 60.3% | 73.0%-12.7pp | 81.4%-21.1pp | 69.3%-9.0pp |
| Annual return | 5.40% | 18.68%-13.3pp | 47.52%-42.1pp | 20.14%-14.7pp |
| Employer contribution / active EE | $1,998 | $2,882-30.7% | $4,617-56.7% | $2,281-12.4% |
| Participant deferral / active EE | $3,539 | $4,840-26.9% | $5,984-40.9% | $3,203+10.5% |
| Admin fee / account holder | $2,001 | $4,826-58.5% | $8,357-76.1% | $4,296-53.4% |