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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 | $57,057 | $78,013-26.9% | $178,449-68.0% | $80,911-29.5% |
| Participation rate | 59.3% | 65.7%-6.4pp | 77.1%-17.8pp | 67.6%-8.4pp |
| Annual return | 9.80% | 18.07%-8.3pp | 27.09%-17.3pp | 35.63%-25.8pp |
| Employer contribution / active EE | $1,243 | $2,287-45.6% | $3,951-68.5% | $2,756-54.9% |
| Participant deferral / active EE | $5,363 | $4,408+21.7% | $6,277-14.5% | $4,297+24.8% |
| Admin fee / account holder | $606 | $7,166-91.5% | $10,362-94.1% | $6,935-91.3% |