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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 | $55,194 | $81,476-32.3% | $102,383-46.1% | $80,925-31.8% |
| Participation rate | 48.6% | 66.8%-18.2pp | 74.5%-25.9pp | 67.7%-19.0pp |
| Annual return | 10.10% | 25.59%-15.5pp | 24.94%-14.8pp | 35.65%-25.5pp |
| Employer contribution / active EE | $1,766 | $3,105-43.1% | $3,870-54.4% | $2,756-35.9% |
| Participant deferral / active EE | $3,386 | $3,871-12.5% | $5,060-33.1% | $4,299-21.2% |
| Admin fee / account holder | $21,401 | $6,717+218.6% | $8,391+155.0% | $6,940+208.4% |