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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 | $61,433 | $59,440+3.4% | $78,004-21.2% | $82,637-25.7% |
| Participation rate | 39.3% | 62.8%-23.5pp | 69.4%-30.2pp | 68.1%-28.8pp |
| Annual return | 12.11% | 40.24%-28.1pp | 31.07%-19.0pp | 53.51%-41.4pp |
| Employer contribution / active EE | $1,260 | $1,750-28.0% | $2,469-49.0% | $2,552-50.6% |
| Participant deferral / active EE | $4,219 | $3,138+34.4% | $4,092+3.1% | $4,126+2.3% |
| Admin fee / account holder | $671 | $5,504-87.8% | $7,578-91.1% | $7,339-90.9% |