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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 | $65,020 | $77,574-16.2% | $108,753-40.2% | $86,983-25.2% |
| Participation rate | 59.0% | 62.3%-3.3pp | 71.1%-12.1pp | 69.5%-10.6pp |
| Annual return | 5.35% | 18.42%-13.1pp | 37.47%-32.1pp | 25.83%-20.5pp |
| Employer contribution / active EE | $679 | $1,611-57.8% | $2,427-72.0% | $2,584-73.7% |
| Participant deferral / active EE | $1,698 | $3,128-45.7% | $4,115-58.7% | $4,194-59.5% |
| Admin fee / account holder | $1,939 | $6,529-70.3% | $10,320-81.2% | $7,856-75.3% |