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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 | $63,436 | $71,197-10.9% | $93,669-32.3% | $80,925-21.6% |
| Participation rate | 54.7% | 60.4%-5.7pp | 68.7%-14.0pp | 67.7%-12.9pp |
| Annual return | 9.30% | 11.27%-2.0pp | 133.59%-124.3pp | 35.65%-26.3pp |
| Employer contribution / active EE | $943 | $1,565-39.8% | $2,424-61.1% | $2,756-65.8% |
| Participant deferral / active EE | $3,592 | $4,036-11.0% | $4,416-18.7% | $4,299-16.4% |
| Admin fee / account holder | $1,926 | $6,959-72.3% | $8,291-76.8% | $6,940-72.2% |