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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 | $59,220 | $93,617-36.7% | $135,982-56.5% | $75,177-21.2% |
| Participation rate | 59.3% | 75.2%-15.9pp | 81.9%-22.7pp | 67.2%-7.9pp |
| Annual return | 2.63% | 30.89%-28.3pp | 68.32%-65.7pp | 160.75%-158.1pp |
| Employer contribution / active EE | $2,888 | $3,538-18.4% | $4,859-40.6% | $2,671+8.1% |
| Participant deferral / active EE | $6,896 | $6,406+7.6% | $7,760-11.1% | $4,126+67.1% |
| Admin fee / account holder | $6,408 | $6,980-8.2% | $10,767-40.5% | $5,651+13.4% |