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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 | $58,168 | $64,517-9.8% | $81,438-28.6% | $80,874-28.1% |
| Participation rate | 63.0% | 63.9%-0.9pp | 69.5%-6.5pp | 67.6%-4.7pp |
| Annual return | 8.78% | 16.35%-7.6pp | 24.74%-16.0pp | 35.62%-26.8pp |
| Employer contribution / active EE | $1,031 | $1,982-48.0% | $2,460-58.1% | $2,756-62.6% |
| Participant deferral / active EE | $1,352 | $3,096-56.3% | $3,883-65.2% | $4,297-68.5% |
| Admin fee / account holder | $2,276 | $5,677-59.9% | $5,764-60.5% | $6,935-67.2% |