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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 | $59,660 | $73,955-19.3% | $96,520-38.2% | $75,181-20.6% |
| Participation rate | 65.6% | 66.4%-0.8pp | 74.3%-8.7pp | 67.2%-1.6pp |
| Annual return | 3.36% | 26.72%-23.4pp | 35.72%-32.4pp | 160.69%-157.3pp |
| Employer contribution / active EE | $2,788 | $2,930-4.9% | $3,739-25.4% | $2,671+4.4% |
| Participant deferral / active EE | $7,483 | $3,659+104.5% | $4,879+53.4% | $4,126+81.4% |
| Admin fee / account holder | $7,429 | $5,217+42.4% | $6,733+10.3% | $5,650+31.5% |