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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 | $76,664 | $75,541+1.5% | $152,093-49.6% | $82,637-7.2% |
| Participation rate | 58.1% | 66.5%-8.5pp | 77.8%-19.7pp | 68.1%-10.0pp |
| Annual return | 11.75% | 32.56%-20.8pp | 66.36%-54.6pp | 53.51%-41.8pp |
| Employer contribution / active EE | $821 | $2,622-68.7% | $4,175-80.3% | $2,552-67.8% |
| Participant deferral / active EE | $2,125 | $3,206-33.7% | $5,451-61.0% | $4,126-48.5% |
| Admin fee / account holder | $2,720 | $6,405-57.5% | $14,497-81.2% | $7,339-62.9% |