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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 | $84,953-27.7% | $163,379-62.4% | $82,637-25.7% |
| Participation rate | 61.8% | 65.9%-4.2pp | 76.8%-15.1pp | 68.1%-6.3pp |
| Annual return | 5.70% | 23.07%-17.4pp | 63.41%-57.7pp | 53.51%-47.8pp |
| Employer contribution / active EE | $924 | $2,183-57.7% | $3,752-75.4% | $2,552-63.8% |
| Participant deferral / active EE | $5,936 | $4,326+37.2% | $6,282-5.5% | $4,126+43.9% |
| Admin fee / account holder | $8,132 | $7,921+2.7% | $9,818-17.2% | $7,339+10.8% |