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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 | $49,517 | $48,078+3.0% | $78,676-37.1% | $62,881-21.3% |
| Participation rate | 50.0% | 65.2%-15.2pp | 73.6%-23.6pp | 69.3%-19.3pp |
| Annual return | 4.35% | 31.36%-27.0pp | 62.19%-57.8pp | 20.14%-15.8pp |
| Employer contribution / active EE | $1,280 | $2,015-36.4% | $2,850-55.1% | $2,281-43.9% |
| Participant deferral / active EE | $3,530 | $2,587+36.5% | $3,517+0.4% | $3,203+10.2% |
| Admin fee / account holder | $1,025 | $3,206-68.0% | $4,510-77.3% | $4,296-76.1% |