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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 | $57,926 | $87,180-33.6% | $173,703-66.7% | $94,015-38.4% |
| Participation rate | 47.2% | 65.6%-18.4pp | 75.9%-28.7pp | 70.8%-23.6pp |
| Annual return | 5.27% | 14.17%-8.9pp | 17.46%-12.2pp | 17.84%-12.6pp |
| Employer contribution / active EE | $1,148 | $2,494-54.0% | $4,288-73.2% | $2,790-58.8% |
| Participant deferral / active EE | $2,808 | $3,343-16.0% | $4,854-42.1% | $4,249-33.9% |
| Admin fee / account holder | $2,053 | $7,506-72.7% | $15,562-86.8% | $8,951-77.1% |