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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 | $64,773 | $86,949-25.5% | $102,460-36.8% | $80,959-20.0% |
| Participation rate | 57.8% | 72.4%-14.6pp | 76.5%-18.7pp | 67.7%-9.9pp |
| Annual return | 9.12% | 18.89%-9.8pp | 29.47%-20.4pp | 35.67%-26.6pp |
| Employer contribution / active EE | $2,034 | $2,370-14.2% | $3,025-32.8% | $2,757-26.2% |
| Participant deferral / active EE | $4,231 | $4,121+2.7% | $5,056-16.3% | $4,300-1.6% |
| Admin fee / account holder | $4,635 | $8,048-42.4% | $9,460-51.0% | $6,925-33.1% |