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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 | $58,522 | $80,992-27.7% | $96,534-39.4% | $75,173-22.2% |
| Participation rate | 64.0% | 71.8%-7.8pp | 76.0%-12.0pp | 67.2%-3.2pp |
| Annual return | 12.57% | 27.05%-14.5pp | 25.88%-13.3pp | 160.72%-148.1pp |
| Employer contribution / active EE | $1,516 | $2,283-33.6% | $2,965-48.9% | $2,671-43.2% |
| Participant deferral / active EE | $2,744 | $3,929-30.2% | $4,851-43.4% | $4,126-33.5% |
| Admin fee / account holder | $620 | $6,717-90.8% | $8,253-92.5% | $5,651-89.0% |