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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 | $67,147 | $81,504-17.6% | $102,437-34.5% | $80,959-17.1% |
| Participation rate | 60.0% | 66.9%-6.9pp | 74.5%-14.5pp | 67.7%-7.7pp |
| Annual return | 4.62% | 25.60%-21.0pp | 24.95%-20.3pp | 35.67%-31.1pp |
| Employer contribution / active EE | $2,582 | $3,104-16.8% | $3,871-33.3% | $2,757-6.4% |
| Participant deferral / active EE | $4,390 | $3,871+13.4% | $5,060-13.2% | $4,300+2.1% |
| Admin fee / account holder | $5,442 | $6,719-19.0% | $8,388-35.1% | $6,925-21.4% |