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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 | $66,974 | $138,386-51.6% | $184,260-63.7% | $80,935-17.2% |
| Participation rate | 57.7% | 83.9%-26.2pp | 86.8%-29.1pp | 67.7%-10.0pp |
| Annual return | 4.98% | 20.02%-15.0pp | 28.84%-23.9pp | 35.66%-30.7pp |
| Employer contribution / active EE | $1,648 | $4,851-66.0% | $6,427-74.4% | $2,757-40.2% |
| Participant deferral / active EE | $5,590 | $7,076-21.0% | $9,133-38.8% | $4,299+30.0% |
| Admin fee / account holder | $637 | $10,489-93.9% | $13,898-95.4% | $6,924-90.8% |