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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 | $57,767 | $53,774+7.4% | $134,162-56.9% | $79,852-27.7% |
| Participation rate | 56.7% | 58.8%-2.1pp | 72.2%-15.5pp | 69.6%-13.0pp |
| Annual return | 8.84% | 19.01%-10.2pp | 36.35%-27.5pp | 31.72%-22.9pp |
| Employer contribution / active EE | $590 | $1,322-55.4% | $3,705-84.1% | $2,471-76.1% |
| Participant deferral / active EE | $2,023 | $2,420-16.4% | $3,500-42.2% | $3,740-45.9% |
| Admin fee / account holder | $6,540 | $3,985+64.1% | $6,685-2.2% | $5,306+23.3% |