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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 | $77,044 | $76,564+0.6% | $105,582-27.0% | $94,015-18.1% |
| Participation rate | 58.3% | 65.2%-6.8pp | 71.8%-13.4pp | 70.8%-12.5pp |
| Annual return | 10.20% | 20.69%-10.5pp | 18.61%-8.4pp | 17.84%-7.6pp |
| Employer contribution / active EE | $1,517 | $1,995-24.0% | $2,984-49.2% | $2,790-45.6% |
| Participant deferral / active EE | $2,216 | $3,320-33.3% | $4,353-49.1% | $4,249-47.8% |
| Admin fee / account holder | $4,827 | $7,129-32.3% | $12,856-62.5% | $8,951-46.1% |