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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 | $49,378 | $56,894-13.2% | $84,753-41.7% | $62,881-21.5% |
| Participation rate | 56.3% | 68.5%-12.3pp | 76.6%-20.3pp | 69.3%-13.1pp |
| Annual return | 3.54% | 6.30%-2.8pp | 22.78%-19.2pp | 20.14%-16.6pp |
| Employer contribution / active EE | $2,007 | $2,400-16.4% | $3,574-43.9% | $2,281-12.0% |
| Participant deferral / active EE | $3,942 | $2,709+45.5% | $3,712+6.2% | $3,203+23.1% |
| Admin fee / account holder | $2,388 | $3,581-33.3% | $5,333-55.2% | $4,296-44.4% |