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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 | $18,538 | $58,627-68.4% | $76,735-75.8% | $82,448-77.5% |
| Participation rate | 47.2% | 63.2%-16.0pp | 69.5%-22.3pp | 68.1%-20.9pp |
| Annual return | 10.05% | 39.10%-29.0pp | 29.77%-19.7pp | 41.64%-31.6pp |
| Employer contribution / active EE | $1,725 | $1,729-0.2% | $2,454-29.7% | $2,551-32.4% |
| Participant deferral / active EE | $2,642 | $3,134-15.7% | $4,088-35.4% | $4,139-36.2% |
| Admin fee / account holder | $2,490 | $5,323-53.2% | $7,189-65.4% | $7,234-65.6% |