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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 | $52,700 | $106,749-50.6% | $145,433-63.8% | $82,448-36.1% |
| Participation rate | 65.0% | 75.6%-10.6pp | 82.1%-17.1pp | 68.1%-3.1pp |
| Annual return | 12.25% | 27.59%-15.3pp | 66.58%-54.3pp | 41.64%-29.4pp |
| Employer contribution / active EE | $2,127 | $3,444-38.2% | $4,554-53.3% | $2,551-16.6% |
| Participant deferral / active EE | $4,937 | $6,519-24.3% | $7,897-37.5% | $4,139+19.3% |
| Admin fee / account holder | $5,003 | $8,390-40.4% | $13,129-61.9% | $7,234-30.8% |