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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 | $72,313 | $87,166-17.0% | $76,735-5.8% | $137,256-47.3% |
| Participation rate | 60.9% | 74.4%-13.5pp | 69.5%-8.6pp | 80.0%-19.1pp |
| Annual return | 8.93% | 26.50%-17.6pp | 29.77%-20.8pp | 220.34%-211.4pp |
| Employer contribution / active EE | $1,389 | $2,904-52.2% | $2,454-43.4% | $4,156-66.6% |
| Participant deferral / active EE | $2,778 | $4,726-41.2% | $4,088-32.0% | $6,407-56.6% |
| Admin fee / account holder | $1,639 | $8,403-80.5% | $7,189-77.2% | $12,270-86.6% |