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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 | $57,308 | $51,708+10.8% | $106,619-46.2% | $62,881-8.9% |
| Participation rate | 60.3% | 66.9%-6.5pp | 78.0%-17.7pp | 69.3%-9.0pp |
| Annual return | -2.49% | 4.69%-7.2pp | 9.42%-11.9pp | 20.14%-22.6pp |
| Employer contribution / active EE | $3,401 | $1,764+92.8% | $3,947-13.8% | $2,281+49.1% |
| Participant deferral / active EE | $2,524 | $2,315+9.0% | $3,930-35.8% | $3,203-21.2% |
| Admin fee / account holder | $8,441 | $3,349+152.1% | $6,418+31.5% | $4,296+96.5% |