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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 | $58,714 | $70,486-16.7% | $100,535-41.6% | $79,856-26.5% |
| Participation rate | 65.5% | 73.6%-8.1pp | 79.4%-13.9pp | 69.6%-4.1pp |
| Annual return | 10.66% | 21.90%-11.2pp | 30.90%-20.2pp | 31.71%-21.1pp |
| Employer contribution / active EE | $1,298 | $2,165-40.0% | $3,419-62.0% | $2,471-47.5% |
| Participant deferral / active EE | $5,665 | $5,182+9.3% | $6,271-9.7% | $3,741+51.4% |
| Admin fee / account holder | $6,422 | $4,480+43.3% | $8,085-20.6% | $5,306+21.0% |