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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 | $53,512 | $67,602-20.8% | $82,312-35.0% | $70,126-23.7% |
| Participation rate | 62.2% | 72.8%-10.6pp | 76.9%-14.7pp | 69.5%-7.4pp |
| Annual return | 10.30% | 21.57%-11.3pp | 25.88%-15.6pp | 73.15%-62.8pp |
| Employer contribution / active EE | $1,424 | $1,755-18.9% | $2,428-41.4% | $2,343-39.2% |
| Participant deferral / active EE | $1,905 | $2,987-36.2% | $3,706-48.6% | $3,332-42.8% |
| Admin fee / account holder | $3,222 | $4,512-28.6% | $5,608-42.5% | $4,645-30.6% |