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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 | $67,380 | $57,119+18.0% | $85,187-20.9% | $80,935-16.7% |
| Participation rate | 49.2% | 56.4%-7.3pp | 67.5%-18.4pp | 67.7%-18.5pp |
| Annual return | 9.93% | 21.70%-11.8pp | 66.67%-56.7pp | 35.66%-25.7pp |
| Employer contribution / active EE | $1,201 | $1,802-33.3% | $2,732-56.0% | $2,757-56.4% |
| Participant deferral / active EE | $2,664 | $3,115-14.5% | $4,525-41.1% | $4,299-38.0% |
| Admin fee / account holder | $4,943 | $4,990-0.9% | $6,162-19.8% | $6,924-28.6% |