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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 | $60,691 | $71,208-14.8% | $93,681-35.2% | $80,911-25.0% |
| Participation rate | 57.1% | 60.4%-3.3pp | 68.7%-11.6pp | 67.6%-10.5pp |
| Annual return | 9.19% | 11.27%-2.1pp | 133.47%-124.3pp | 35.63%-26.4pp |
| Employer contribution / active EE | $463 | $1,564-70.4% | $2,422-80.9% | $2,756-83.2% |
| Participant deferral / active EE | $1,251 | $4,035-69.0% | $4,415-71.7% | $4,297-70.9% |
| Admin fee / account holder | $4,046 | $6,951-41.8% | $8,290-51.2% | $6,935-41.7% |