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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 | $61,417 | $70,475-12.9% | $100,530-38.9% | $79,858-23.1% |
| Participation rate | 64.5% | 73.7%-9.1pp | 79.4%-14.9pp | 69.6%-5.1pp |
| Annual return | 7.64% | 21.90%-14.3pp | 30.89%-23.2pp | 31.72%-24.1pp |
| Employer contribution / active EE | $1,741 | $2,165-19.6% | $3,418-49.1% | $2,471-29.5% |
| Participant deferral / active EE | $4,079 | $5,181-21.3% | $6,271-34.9% | $3,740+9.1% |
| Admin fee / account holder | $8,154 | $4,478+82.1% | $8,083+0.9% | $5,306+53.7% |