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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 | $58,385 | $54,763+6.6% | $90,324-35.4% | $72,976-20.0% |
| Participation rate | 49.2% | 65.2%-15.9pp | 73.3%-24.1pp | 69.5%-20.3pp |
| Annual return | 13.95% | 30.63%-16.7pp | 78.15%-64.2pp | 81.02%-67.1pp |
| Employer contribution / active EE | $1,016 | $2,093-51.5% | $2,856-64.4% | $2,440-58.4% |
| Participant deferral / active EE | $3,102 | $2,887+7.4% | $3,885-20.2% | $3,608-14.0% |
| Admin fee / account holder | $5,086 | $3,973+28.0% | $5,356-5.0% | $5,124-0.7% |