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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 | $64,033 | $72,027-11.1% | $185,835-65.5% | $79,852-19.8% |
| Participation rate | 53.5% | 65.8%-12.3pp | 78.0%-24.6pp | 69.6%-16.2pp |
| Annual return | 9.12% | 23.13%-14.0pp | 35.96%-26.8pp | 31.72%-22.6pp |
| Employer contribution / active EE | $3,079 | $1,965+56.7% | $4,087-24.7% | $2,471+24.6% |
| Participant deferral / active EE | $5,985 | $3,780+58.3% | $5,633+6.2% | $3,740+60.0% |
| Admin fee / account holder | $13,150 | $4,513+191.4% | $9,502+38.4% | $5,306+147.8% |