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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 | $64,376 | $106,749-39.7% | $145,433-55.7% | $82,448-21.9% |
| Participation rate | 61.0% | 75.6%-14.7pp | 82.1%-21.1pp | 68.1%-7.1pp |
| Annual return | 13.96% | 27.59%-13.6pp | 66.58%-52.6pp | 41.64%-27.7pp |
| Employer contribution / active EE | $1,422 | $3,444-58.7% | $4,554-68.8% | $2,551-44.3% |
| Participant deferral / active EE | $4,115 | $6,519-36.9% | $7,897-47.9% | $4,139-0.6% |
| Admin fee / account holder | $3,704 | $8,390-55.9% | $13,129-71.8% | $7,234-48.8% |