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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 | $57,292 | $52,306+9.5% | $69,779-17.9% | $62,881-8.9% |
| Participation rate | 54.0% | 67.2%-13.2pp | 71.8%-17.8pp | 69.3%-15.3pp |
| Annual return | 2.02% | 13.35%-11.3pp | 12.99%-11.0pp | 20.14%-18.1pp |
| Employer contribution / active EE | $1,264 | $1,799-29.8% | $2,338-46.0% | $2,281-44.6% |
| Participant deferral / active EE | $2,072 | $2,395-13.5% | $2,931-29.3% | $3,203-35.3% |
| Admin fee / account holder | $599 | $3,691-83.8% | $4,381-86.3% | $4,296-86.1% |