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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 | $58,670 | $74,535-21.3% | $100,712-41.7% | $82,637-29.0% |
| Participation rate | 53.3% | 61.2%-7.8pp | 69.3%-15.9pp | 68.1%-14.7pp |
| Annual return | 12.17% | 18.92%-6.8pp | 33.27%-21.1pp | 53.51%-41.3pp |
| Employer contribution / active EE | $3,276 | $1,503+118.0% | $2,313+41.7% | $2,552+28.4% |
| Participant deferral / active EE | $4,157 | $3,074+35.2% | $4,085+1.8% | $4,126+0.7% |
| Admin fee / account holder | $3,757 | $6,576-42.9% | $9,256-59.4% | $7,339-48.8% |