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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 | $54,298 | $106,864-49.2% | $147,318-63.1% | $82,637-34.3% |
| Participation rate | 65.9% | 75.5%-9.7pp | 82.1%-16.2pp | 68.1%-2.2pp |
| Annual return | 13.85% | 27.49%-13.6pp | 70.43%-56.6pp | 53.51%-39.7pp |
| Employer contribution / active EE | $2,415 | $3,417-29.3% | $4,593-47.4% | $2,552-5.4% |
| Participant deferral / active EE | $5,931 | $6,496-8.7% | $7,906-25.0% | $4,126+43.8% |
| Admin fee / account holder | $5,222 | $8,415-37.9% | $13,708-61.9% | $7,339-28.8% |