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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 | $86,919-28.1% | $102,457-39.0% | $80,911-22.7% |
| Participation rate | 61.5% | 72.4%-10.8pp | 76.5%-15.0pp | 67.6%-6.1pp |
| Annual return | 7.70% | 18.90%-11.2pp | 29.41%-21.7pp | 35.63%-27.9pp |
| Employer contribution / active EE | $1,919 | $2,368-19.0% | $3,022-36.5% | $2,756-30.3% |
| Participant deferral / active EE | $3,985 | $4,119-3.3% | $5,054-21.2% | $4,297-7.3% |
| Admin fee / account holder | $1,607 | $8,049-80.0% | $9,451-83.0% | $6,935-76.8% |