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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 | $58,181 | $78,015-25.4% | $178,505-67.4% | $80,959-28.1% |
| Participation rate | 61.8% | 65.7%-3.9pp | 77.1%-15.4pp | 67.7%-5.9pp |
| Annual return | 8.07% | 18.10%-10.0pp | 27.16%-19.1pp | 35.67%-27.6pp |
| Employer contribution / active EE | $2,297 | $2,281+0.7% | $3,955-41.9% | $2,757-16.7% |
| Participant deferral / active EE | $7,373 | $4,406+67.4% | $6,280+17.4% | $4,300+71.5% |
| Admin fee / account holder | $731 | $7,160-89.8% | $10,428-93.0% | $6,925-89.4% |