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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 | $45,885 | $78,423-41.5% | $95,964-52.2% | $79,856-42.5% |
| Participation rate | 62.2% | 73.5%-11.3pp | 77.1%-14.9pp | 69.6%-7.4pp |
| Annual return | 8.71% | 19.37%-10.7pp | 91.64%-82.9pp | 31.71%-23.0pp |
| Employer contribution / active EE | $816 | $1,945-58.1% | $2,541-67.9% | $2,471-67.0% |
| Participant deferral / active EE | $1,770 | $3,440-48.6% | $4,167-57.5% | $3,741-52.7% |
| Admin fee / account holder | $6,009 | $5,622+6.9% | $6,797-11.6% | $5,306+13.2% |