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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 | $68,200 | $74,535-8.5% | $100,712-32.3% | $82,637-17.5% |
| Participation rate | 55.8% | 61.2%-5.4pp | 69.3%-13.5pp | 68.1%-12.3pp |
| Annual return | 9.55% | 18.92%-9.4pp | 33.27%-23.7pp | 53.51%-44.0pp |
| Employer contribution / active EE | $1,766 | $1,503+17.5% | $2,313-23.7% | $2,552-30.8% |
| Participant deferral / active EE | $4,314 | $3,074+40.3% | $4,085+5.6% | $4,126+4.5% |
| Admin fee / account holder | $13,259 | $6,576+101.6% | $9,256+43.2% | $7,339+80.7% |