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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 | $61,516 | $65,246-5.7% | $98,716-37.7% | $67,986-9.5% |
| Participation rate | 49.1% | 51.4%-2.3pp | 69.3%-20.2pp | 57.2%-8.1pp |
| Annual return | 11.21% | 20.58%-9.4pp | 31.81%-20.6pp | 31.67%-20.5pp |
| Employer contribution / active EE | $764 | $1,042-26.7% | $2,279-66.5% | $2,019-62.2% |
| Participant deferral / active EE | $2,317 | $2,594-10.7% | $4,048-42.7% | $3,358-31.0% |
| Admin fee / account holder | $3,509 | $4,561-23.1% | $8,703-59.7% | $3,203+9.5% |