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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 | $65,870 | $101,752-35.3% | $164,928-60.1% | $80,911-18.6% |
| Participation rate | 61.9% | 71.8%-9.9pp | 78.6%-16.7pp | 67.6%-5.7pp |
| Annual return | 10.13% | 16.73%-6.6pp | 70.08%-59.9pp | 35.63%-25.5pp |
| Employer contribution / active EE | $3,416 | $2,953+15.7% | $4,343-21.4% | $2,756+23.9% |
| Participant deferral / active EE | $3,704 | $4,477-17.3% | $6,034-38.6% | $4,297-13.8% |
| Admin fee / account holder | $5,997 | $8,218-27.0% | $12,684-52.7% | $6,935-13.5% |