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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 | $123,057 | $118,869+3.5% | $96,575+27.4% | $167,518-26.5% |
| Participation rate | 69.6% | 75.5%-5.9pp | 69.8%-0.3pp | 82.1%-12.5pp |
| Annual return | 5.77% | 50.49%-44.7pp | 37.79%-32.0pp | 478.71%-472.9pp |
| Employer contribution / active EE | $1,272 | $3,120-59.2% | $2,357-46.0% | $4,838-73.7% |
| Participant deferral / active EE | $3,582 | $4,616-22.4% | $3,849-6.9% | $6,342-43.5% |
| Admin fee / account holder | $2,473 | $8,067-69.4% | $6,182-60.0% | $12,312-79.9% |