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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 | $62,490 | $81,331-23.2% | $155,534-59.8% | $80,935-22.8% |
| Participation rate | 64.6% | 66.3%-1.6pp | 78.2%-13.6pp | 67.7%-3.0pp |
| Annual return | 9.60% | 33.37%-23.8pp | 64.92%-55.3pp | 35.66%-26.1pp |
| Employer contribution / active EE | $2,958 | $3,105-4.7% | $4,675-36.7% | $2,757+7.3% |
| Participant deferral / active EE | $5,596 | $3,454+62.0% | $5,630-0.6% | $4,299+30.2% |
| Admin fee / account holder | $431 | $7,999-94.6% | $15,900-97.3% | $6,924-93.8% |