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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 | $63,139 | $54,763+15.3% | $90,324-30.1% | $72,976-13.5% |
| Participation rate | 57.7% | 65.2%-7.5pp | 73.3%-15.6pp | 69.5%-11.8pp |
| Annual return | 10.98% | 30.63%-19.7pp | 78.15%-67.2pp | 81.02%-70.0pp |
| Employer contribution / active EE | $1,916 | $2,093-8.5% | $2,856-32.9% | $2,440-21.5% |
| Participant deferral / active EE | $2,182 | $2,887-24.4% | $3,885-43.9% | $3,608-39.5% |
| Admin fee / account holder | $3,752 | $3,973-5.6% | $5,356-29.9% | $5,124-26.8% |