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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 | $50,853 | $57,140-11.0% | $85,240-40.3% | $80,959-37.2% |
| Participation rate | 67.5% | 56.4%+11.1pp | 67.5%0pp | 67.7%-0.2pp |
| Annual return | 3.58% | 21.71%-18.1pp | 66.75%-63.2pp | 35.67%-32.1pp |
| Employer contribution / active EE | $1,402 | $1,802-22.2% | $2,735-48.7% | $2,757-49.1% |
| Participant deferral / active EE | $2,134 | $3,115-31.5% | $4,527-52.9% | $4,300-50.4% |
| Admin fee / account holder | $801 | $4,992-84.0% | $6,165-87.0% | $6,925-88.4% |