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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 | $74,322 | $72,471+2.6% | $94,215-21.1% | $86,983-14.6% |
| Participation rate | 56.9% | 63.9%-7.0pp | 70.0%-13.1pp | 69.5%-12.7pp |
| Annual return | 11.94% | 26.44%-14.5pp | 28.22%-16.3pp | 25.83%-13.9pp |
| Employer contribution / active EE | $1,347 | $1,936-30.4% | $2,675-49.6% | $2,584-47.9% |
| Participant deferral / active EE | $2,185 | $3,397-35.7% | $4,276-48.9% | $4,194-47.9% |
| Admin fee / account holder | $1,394 | $6,468-78.4% | $10,216-86.4% | $7,856-82.3% |