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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 | $61,279 | $52,306+17.2% | $69,779-12.2% | $62,881-2.5% |
| Participation rate | 42.9% | 67.2%-24.4pp | 71.8%-29.0pp | 69.3%-26.4pp |
| Annual return | 3.72% | 13.35%-9.6pp | 12.99%-9.3pp | 20.14%-16.4pp |
| Employer contribution / active EE | $1,430 | $1,799-20.5% | $2,338-38.8% | $2,281-37.3% |
| Participant deferral / active EE | $3,166 | $2,395+32.2% | $2,931+8.0% | $3,203-1.1% |
| Admin fee / account holder | $6,192 | $3,691+67.8% | $4,381+41.4% | $4,296+44.2% |