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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 | $61,103 | $67,602-9.6% | $82,312-25.8% | $70,126-12.9% |
| Participation rate | 67.6% | 72.8%-5.2pp | 76.9%-9.3pp | 69.5%-2.0pp |
| Annual return | 11.75% | 21.57%-9.8pp | 25.88%-14.1pp | 73.15%-61.4pp |
| Employer contribution / active EE | $1,432 | $1,755-18.4% | $2,428-41.0% | $2,343-38.9% |
| Participant deferral / active EE | $2,541 | $2,987-14.9% | $3,706-31.4% | $3,332-23.7% |
| Admin fee / account holder | $1,376 | $4,512-69.5% | $5,608-75.5% | $4,645-70.4% |