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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 | $64,495 | $87,106-26.0% | $105,607-38.9% | $80,935-20.3% |
| Participation rate | 65.7% | 70.4%-4.7pp | 75.3%-9.6pp | 67.7%-1.9pp |
| Annual return | 5.98% | 17.01%-11.0pp | 116.11%-110.1pp | 35.66%-29.7pp |
| Employer contribution / active EE | $1,891 | $2,396-21.1% | $3,167-40.3% | $2,757-31.4% |
| Participant deferral / active EE | $3,559 | $3,986-10.7% | $5,011-29.0% | $4,299-17.2% |
| Admin fee / account holder | $3,351 | $8,447-60.3% | $10,958-69.4% | $6,924-51.6% |