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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 | $66,647 | $78,707-15.3% | $117,861-43.5% | $70,126-5.0% |
| Participation rate | 59.3% | 73.2%-13.9pp | 79.7%-20.3pp | 69.5%-10.2pp |
| Annual return | 1.74% | 23.30%-21.6pp | 335.11%-333.4pp | 73.15%-71.4pp |
| Employer contribution / active EE | $1,686 | $2,223-24.2% | $3,786-55.5% | $2,343-28.0% |
| Participant deferral / active EE | $3,257 | $3,297-1.2% | $4,482-27.3% | $3,332-2.3% |
| Admin fee / account holder | $5,193 | $5,066+2.5% | $8,021-35.3% | $4,645+11.8% |