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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 | $51,789 | $56,544-8.4% | $75,501-31.4% | $70,126-26.1% |
| Participation rate | 65.3% | 68.1%-2.8pp | 72.4%-7.1pp | 69.5%-4.2pp |
| Annual return | 10.70% | 23.59%-12.9pp | 27.35%-16.7pp | 73.15%-62.5pp |
| Employer contribution / active EE | $1,552 | $1,817-14.6% | $2,352-34.0% | $2,343-33.8% |
| Participant deferral / active EE | $2,270 | $2,580-12.0% | $3,142-27.7% | $3,332-31.9% |
| Admin fee / account holder | $8,757 | $3,827+128.8% | $5,801+51.0% | $4,645+88.5% |