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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 | $55,163 | $71,230-22.6% | $93,727-41.1% | $80,959-31.9% |
| Participation rate | 67.7% | 60.4%+7.3pp | 68.7%-1.0pp | 67.7%+0.1pp |
| Annual return | 7.04% | 11.26%-4.2pp | 133.83%-126.8pp | 35.67%-28.6pp |
| Employer contribution / active EE | $1,504 | $1,565-3.9% | $2,421-37.9% | $2,757-45.5% |
| Participant deferral / active EE | $1,714 | $4,037-57.6% | $4,417-61.2% | $4,300-60.1% |
| Admin fee / account holder | $4,786 | $6,961-31.2% | $8,292-42.3% | $6,925-30.9% |