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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 | $71,197-1.4% | $93,669-25.1% | $80,925-13.3% |
| Participation rate | 59.3% | 60.4%-1.1pp | 68.7%-9.5pp | 67.7%-8.4pp |
| Annual return | 9.48% | 11.27%-1.8pp | 133.59%-124.1pp | 35.65%-26.2pp |
| Employer contribution / active EE | $834 | $1,565-46.7% | $2,424-65.6% | $2,756-69.7% |
| Participant deferral / active EE | $2,524 | $4,036-37.5% | $4,416-42.8% | $4,299-41.3% |
| Admin fee / account holder | $6,080 | $6,959-12.6% | $8,291-26.7% | $6,940-12.4% |