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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 | $73,216 | $52,306+40.0% | $69,779+4.9% | $62,881+16.4% |
| Participation rate | 57.4% | 67.2%-9.9pp | 71.8%-14.5pp | 69.3%-12.0pp |
| Annual return | 3.46% | 13.35%-9.9pp | 12.99%-9.5pp | 20.14%-16.7pp |
| Employer contribution / active EE | $1,059 | $1,799-41.1% | $2,338-54.7% | $2,281-53.6% |
| Participant deferral / active EE | $2,426 | $2,395+1.3% | $2,931-17.2% | $3,203-24.2% |
| Admin fee / account holder | $1,761 | $3,691-52.3% | $4,381-59.8% | $4,296-59.0% |