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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 | $77,753 | $60,349+28.8% | $74,184+4.8% | $62,881+23.7% |
| Participation rate | 63.6% | 72.7%-9.1pp | 76.6%-13.0pp | 69.3%-5.7pp |
| Annual return | 4.13% | 21.38%-17.2pp | 17.74%-13.6pp | 20.14%-16.0pp |
| Employer contribution / active EE | $1,353 | $1,680-19.5% | $2,370-42.9% | $2,281-40.7% |
| Participant deferral / active EE | $2,492 | $2,856-12.8% | $3,550-29.8% | $3,203-22.2% |
| Admin fee / account holder | $3,808 | $4,261-10.6% | $5,586-31.8% | $4,296-11.4% |