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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 | $65,224 | $106,749-38.9% | $145,433-55.2% | $82,448-20.9% |
| Participation rate | 57.6% | 75.6%-18.1pp | 82.1%-24.5pp | 68.1%-10.5pp |
| Annual return | 13.97% | 27.59%-13.6pp | 66.58%-52.6pp | 41.64%-27.7pp |
| Employer contribution / active EE | $1,547 | $3,444-55.1% | $4,554-66.0% | $2,551-39.4% |
| Participant deferral / active EE | $3,632 | $6,519-44.3% | $7,897-54.0% | $4,139-12.2% |
| Admin fee / account holder | $2,318 | $8,390-72.4% | $13,129-82.3% | $7,234-68.0% |