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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 | $65,573 | $57,119+14.8% | $85,187-23.0% | $80,935-19.0% |
| Participation rate | 42.0% | 56.4%-14.4pp | 67.5%-25.5pp | 67.7%-25.7pp |
| Annual return | 10.24% | 21.70%-11.5pp | 66.67%-56.4pp | 35.66%-25.4pp |
| Employer contribution / active EE | $2,413 | $1,802+34.0% | $2,732-11.7% | $2,757-12.5% |
| Participant deferral / active EE | $2,820 | $3,115-9.5% | $4,525-37.7% | $4,299-34.4% |
| Admin fee / account holder | $1,937 | $4,990-61.2% | $6,162-68.6% | $6,924-72.0% |