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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 | $58,549 | $64,920-9.8% | $103,693-43.5% | $86,983-32.7% |
| Participation rate | 58.6% | 63.6%-5.0pp | 72.6%-14.0pp | 69.5%-10.9pp |
| Annual return | 11.64% | 30.29%-18.7pp | 47.61%-36.0pp | 25.83%-14.2pp |
| Employer contribution / active EE | $1,101 | $2,141-48.6% | $2,920-62.3% | $2,584-57.4% |
| Participant deferral / active EE | $1,913 | $3,241-41.0% | $4,579-58.2% | $4,194-54.4% |
| Admin fee / account holder | $3,294 | $6,191-46.8% | $7,858-58.1% | $7,856-58.1% |