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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 | $85,020 | $86,919-2.2% | $102,457-17.0% | $80,911+5.1% |
| Participation rate | 63.0% | 72.4%-9.4pp | 76.5%-13.5pp | 67.6%-4.7pp |
| Annual return | 9.35% | 18.90%-9.5pp | 29.41%-20.1pp | 35.63%-26.3pp |
| Employer contribution / active EE | $1,517 | $2,368-35.9% | $3,022-49.8% | $2,756-44.9% |
| Participant deferral / active EE | $3,889 | $4,119-5.6% | $5,054-23.1% | $4,297-9.5% |
| Admin fee / account holder | $1,149 | $8,049-85.7% | $9,451-87.8% | $6,935-83.4% |