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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 | $53,336 | $54,763-2.6% | $90,324-41.0% | $72,976-26.9% |
| Participation rate | 47.5% | 65.2%-17.7pp | 73.3%-25.8pp | 69.5%-22.0pp |
| Annual return | 10.26% | 30.63%-20.4pp | 78.15%-67.9pp | 81.02%-70.8pp |
| Employer contribution / active EE | $1,215 | $2,093-42.0% | $2,856-57.5% | $2,440-50.2% |
| Participant deferral / active EE | $3,220 | $2,887+11.5% | $3,885-17.1% | $3,608-10.7% |
| Admin fee / account holder | $871 | $3,973-78.1% | $5,356-83.7% | $5,124-83.0% |