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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 | $51,268 | $106,864-52.0% | $147,318-65.2% | $82,637-38.0% |
| Participation rate | 68.3% | 75.5%-7.2pp | 82.1%-13.8pp | 68.1%+0.2pp |
| Annual return | 13.55% | 27.49%-13.9pp | 70.43%-56.9pp | 53.51%-40.0pp |
| Employer contribution / active EE | $1,668 | $3,417-51.2% | $4,593-63.7% | $2,552-34.7% |
| Participant deferral / active EE | $3,133 | $6,496-51.8% | $7,906-60.4% | $4,126-24.1% |
| Admin fee / account holder | $1,199 | $8,415-85.7% | $13,708-91.2% | $7,339-83.7% |