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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 | $58,236 | $71,230-18.2% | $93,727-37.9% | $80,959-28.1% |
| Participation rate | 58.8% | 60.4%-1.6pp | 68.7%-9.9pp | 67.7%-8.8pp |
| Annual return | 9.87% | 11.26%-1.4pp | 133.83%-124.0pp | 35.67%-25.8pp |
| Employer contribution / active EE | $1,463 | $1,565-6.5% | $2,421-39.6% | $2,757-46.9% |
| Participant deferral / active EE | $5,449 | $4,037+34.9% | $4,417+23.4% | $4,300+26.7% |
| Admin fee / account holder | $4,528 | $6,961-34.9% | $8,292-45.4% | $6,925-34.6% |