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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 | $49,168 | $124,425-60.5% | $112,040-56.1% | $137,256-64.2% |
| Participation rate | 58.8% | 79.3%-20.5pp | 76.5%-17.7pp | 80.0%-21.1pp |
| Annual return | 8.71% | 24.72%-16.0pp | 24.52%-15.8pp | 220.34%-211.6pp |
| Employer contribution / active EE | $1,209 | $3,411-64.6% | $2,954-59.1% | $4,156-70.9% |
| Participant deferral / active EE | $2,998 | $5,718-47.6% | $5,098-41.2% | $6,407-53.2% |
| Admin fee / account holder | $15,657 | $15,207+3.0% | $12,098+29.4% | $12,270+27.6% |