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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 | $62,508 | $86,940-28.1% | $102,434-39.0% | $80,935-22.8% |
| Participation rate | 61.5% | 72.4%-10.8pp | 76.5%-15.0pp | 67.7%-6.1pp |
| Annual return | 7.70% | 18.89%-11.2pp | 29.46%-21.8pp | 35.66%-28.0pp |
| Employer contribution / active EE | $1,919 | $2,370-19.0% | $3,023-36.5% | $2,757-30.4% |
| Participant deferral / active EE | $3,985 | $4,121-3.3% | $5,055-21.2% | $4,299-7.3% |
| Admin fee / account holder | $1,607 | $8,047-80.0% | $9,462-83.0% | $6,924-76.8% |