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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 | $69,613 | $68,681+1.4% | $86,615-19.6% | $85,847-18.9% |
| Participation rate | 39.5% | 66.4%-26.8pp | 71.6%-32.1pp | 69.3%-29.8pp |
| Annual return | 10.56% | 20.12%-9.6pp | 63.51%-53.0pp | 318.61%-308.1pp |
| Employer contribution / active EE | $1,988 | $1,880+5.7% | $2,496-20.3% | $2,565-22.5% |
| Participant deferral / active EE | $4,248 | $2,919+45.5% | $3,699+14.8% | $3,952+7.5% |
| Admin fee / account holder | $5,551 | $5,974-7.1% | $5,830-4.8% | $6,261-11.3% |