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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 | $53,505 | $56,544-5.4% | $75,501-29.1% | $70,126-23.7% |
| Participation rate | 62.4% | 68.1%-5.8pp | 72.4%-10.0pp | 69.5%-7.2pp |
| Annual return | 10.49% | 23.59%-13.1pp | 27.35%-16.9pp | 73.15%-62.7pp |
| Employer contribution / active EE | $669 | $1,817-63.1% | $2,352-71.5% | $2,343-71.4% |
| Participant deferral / active EE | $2,343 | $2,580-9.2% | $3,142-25.5% | $3,332-29.7% |
| Admin fee / account holder | $2,110 | $3,827-44.9% | $5,801-63.6% | $4,645-54.6% |