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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 | $62,587 | $62,5890% | $76,768-18.5% | $64,173-2.5% |
| Participation rate | 62.2% | 72.8%-10.7pp | 77.0%-14.8pp | 69.6%-7.4pp |
| Annual return | -7.80% | -1.95%-5.9pp | 2.43%-10.2pp | 7.63%-15.4pp |
| Employer contribution / active EE | $1,607 | $1,832-12.3% | $2,485-35.4% | $2,381-32.5% |
| Participant deferral / active EE | $5,038 | $3,145+60.2% | $3,852+30.8% | $3,470+45.2% |
| Admin fee / account holder | $2,565 | $4,667-45.0% | $6,675-61.6% | $4,887-47.5% |