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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 | $58,508 | $59,804-2.2% | $81,982-28.6% | $79,856-26.7% |
| Participation rate | 58.0% | 61.6%-3.6pp | 69.3%-11.3pp | 69.6%-11.6pp |
| Annual return | 7.63% | 17.56%-9.9pp | 41.31%-33.7pp | 31.71%-24.1pp |
| Employer contribution / active EE | $2,373 | $1,713+38.5% | $2,498-5.0% | $2,471-4.0% |
| Participant deferral / active EE | $3,447 | $2,695+27.9% | $3,722-7.4% | $3,741-7.9% |
| Admin fee / account holder | $4,634 | $4,288+8.1% | $5,665-18.2% | $5,306-12.7% |