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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 | $54,959 | $76,551-28.2% | $123,894-55.6% | $62,881-12.6% |
| Participation rate | 68.6% | 73.0%-4.4pp | 81.4%-12.8pp | 69.3%-0.7pp |
| Annual return | 4.79% | 18.68%-13.9pp | 47.52%-42.7pp | 20.14%-15.4pp |
| Employer contribution / active EE | $1,956 | $2,882-32.1% | $4,617-57.6% | $2,281-14.2% |
| Participant deferral / active EE | $4,474 | $4,840-7.5% | $5,984-25.2% | $3,203+39.7% |
| Admin fee / account holder | $5,086 | $4,826+5.4% | $8,357-39.1% | $4,296+18.4% |