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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 | $55,813 | $65,364-14.6% | $92,909-39.9% | $72,975-23.5% |
| Participation rate | 62.2% | 68.3%-6.2pp | 76.0%-13.8pp | 69.5%-7.3pp |
| Annual return | 16.21% | 42.11%-25.9pp | 109.44%-93.2pp | 81.01%-64.8pp |
| Employer contribution / active EE | $969 | $2,594-62.7% | $3,653-73.5% | $2,440-60.3% |
| Participant deferral / active EE | $3,874 | $3,128+23.9% | $4,238-8.6% | $3,608+7.4% |
| Admin fee / account holder | $2,022 | $4,251-52.4% | $5,795-65.1% | $5,124-60.5% |