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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 | $50,837 | $81,504-37.6% | $102,437-50.4% | $80,959-37.2% |
| Participation rate | 60.0% | 66.9%-6.9pp | 74.5%-14.5pp | 67.7%-7.7pp |
| Annual return | 9.34% | 25.60%-16.3pp | 24.95%-15.6pp | 35.67%-26.3pp |
| Employer contribution / active EE | $1,267 | $3,104-59.2% | $3,871-67.3% | $2,757-54.0% |
| Participant deferral / active EE | $1,772 | $3,871-54.2% | $5,060-65.0% | $4,300-58.8% |
| Admin fee / account holder | $9,391 | $6,719+39.8% | $8,388+12.0% | $6,925+35.6% |