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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 | $61,413 | $109,782-44.1% | $260,467-76.4% | $94,015-34.7% |
| Participation rate | 61.8% | 67.2%-5.4pp | 80.5%-18.7pp | 70.8%-9.1pp |
| Annual return | 5.70% | 18.60%-12.9pp | 100.60%-94.9pp | 17.84%-12.1pp |
| Employer contribution / active EE | $924 | $2,147-57.0% | $4,239-78.2% | $2,790-66.9% |
| Participant deferral / active EE | $5,936 | $4,044+46.8% | $6,319-6.1% | $4,249+39.7% |
| Admin fee / account holder | $8,132 | $11,958-32.0% | $15,461-47.4% | $8,951-9.1% |