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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 | $70,172 | $71,230-1.5% | $93,727-25.1% | $80,959-13.3% |
| Participation rate | 59.3% | 60.4%-1.1pp | 68.7%-9.5pp | 67.7%-8.4pp |
| Annual return | 9.48% | 11.26%-1.8pp | 133.83%-124.4pp | 35.67%-26.2pp |
| Employer contribution / active EE | $834 | $1,565-46.7% | $2,421-65.5% | $2,757-69.7% |
| Participant deferral / active EE | $2,524 | $4,037-37.5% | $4,417-42.9% | $4,300-41.3% |
| Admin fee / account holder | $6,080 | $6,961-12.7% | $8,292-26.7% | $6,925-12.2% |