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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 | $69,444+10.9% | $92,985-17.1% | $87,485-11.9% |
| Participation rate | 58.3% | 63.3%-5.0pp | 69.5%-11.2pp | 68.9%-10.6pp |
| Annual return | 10.20% | 23.85%-13.7pp | 27.99%-17.8pp | 26.06%-15.9pp |
| Employer contribution / active EE | $1,517 | $1,917-20.9% | $2,662-43.0% | $2,596-41.6% |
| Participant deferral / active EE | $2,216 | $3,364-34.1% | $4,377-49.4% | $4,274-48.1% |
| Admin fee / account holder | $4,827 | $6,137-21.3% | $9,463-49.0% | $7,775-37.9% |