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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 | $71,126 | $108,825-34.6% | $156,181-54.5% | $82,448-13.7% |
| Participation rate | 63.6% | 72.4%-8.7pp | 78.8%-15.2pp | 68.1%-4.4pp |
| Annual return | 10.88% | 20.59%-9.7pp | 64.87%-54.0pp | 41.64%-30.8pp |
| Employer contribution / active EE | $1,738 | $2,870-39.4% | $4,294-59.5% | $2,551-31.9% |
| Participant deferral / active EE | $3,675 | $4,577-19.7% | $6,132-40.1% | $4,139-11.2% |
| Admin fee / account holder | $5,740 | $9,341-38.5% | $14,586-60.6% | $7,234-20.7% |