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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 | $59,173 | $64,359-8.1% | $90,161-34.4% | $70,126-15.6% |
| Participation rate | 53.8% | 70.4%-16.6pp | 76.9%-23.0pp | 69.5%-15.7pp |
| Annual return | 12.07% | 28.13%-16.1pp | 34.89%-22.8pp | 73.15%-61.1pp |
| Employer contribution / active EE | $1,437 | $2,046-29.8% | $3,318-56.7% | $2,343-38.7% |
| Participant deferral / active EE | $3,269 | $4,389-25.5% | $5,287-38.2% | $3,332-1.9% |
| Admin fee / account holder | $339 | $3,945-91.4% | $5,943-94.3% | $4,645-92.7% |