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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 | $50,844 | $109,782-53.7% | $260,467-80.5% | $94,015-45.9% |
| Participation rate | 48.8% | 67.2%-18.4pp | 80.5%-31.7pp | 70.8%-22.0pp |
| Annual return | 11.12% | 18.60%-7.5pp | 100.60%-89.5pp | 17.84%-6.7pp |
| Employer contribution / active EE | $1,906 | $2,147-11.2% | $4,239-55.0% | $2,790-31.7% |
| Participant deferral / active EE | $4,373 | $4,044+8.1% | $6,319-30.8% | $4,249+2.9% |
| Admin fee / account holder | $1,804 | $11,958-84.9% | $15,461-88.3% | $8,951-79.8% |