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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 | $54,017 | $52,580+2.7% | $71,671-24.6% | $70,124-23.0% |
| Participation rate | 50.9% | 60.9%-10.0pp | 68.7%-17.9pp | 69.5%-18.7pp |
| Annual return | 10.97% | 20.25%-9.3pp | 20.65%-9.7pp | 73.14%-62.2pp |
| Employer contribution / active EE | $1,688 | $1,616+4.5% | $2,460-31.4% | $2,342-27.9% |
| Participant deferral / active EE | $2,707 | $2,386+13.5% | $3,438-21.3% | $3,332-18.7% |
| Admin fee / account holder | $11,338 | $3,653+210.4% | $5,558+104.0% | $4,645+144.1% |