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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 | $51,987 | $57,140-9.0% | $85,240-39.0% | $80,959-35.8% |
| Participation rate | 46.7% | 56.4%-9.7pp | 67.5%-20.9pp | 67.7%-21.0pp |
| Annual return | 7.71% | 21.71%-14.0pp | 66.75%-59.0pp | 35.67%-28.0pp |
| Employer contribution / active EE | $1,309 | $1,802-27.4% | $2,735-52.2% | $2,757-52.5% |
| Participant deferral / active EE | $3,169 | $3,115+1.7% | $4,527-30.0% | $4,300-26.3% |
| Admin fee / account holder | $5,196 | $4,992+4.1% | $6,165-15.7% | $6,925-25.0% |