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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 | $78,874 | $73,978+6.6% | $96,515-18.3% | $75,173+4.9% |
| Participation rate | 62.5% | 66.4%-3.9pp | 74.3%-11.8pp | 67.2%-4.7pp |
| Annual return | 13.17% | 26.72%-13.6pp | 35.73%-22.6pp | 160.72%-147.5pp |
| Employer contribution / active EE | $1,708 | $2,931-41.7% | $3,740-54.3% | $2,671-36.1% |
| Participant deferral / active EE | $3,706 | $3,660+1.3% | $4,880-24.1% | $4,126-10.2% |
| Admin fee / account holder | $5,699 | $5,219+9.2% | $6,735-15.4% | $5,651+0.9% |