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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 | $78,595 | $51,638+52.2% | $129,406-39.3% | $80,959-2.9% |
| Participation rate | 52.0% | 56.9%-4.9pp | 69.6%-17.6pp | 67.7%-15.7pp |
| Annual return | 10.36% | 20.78%-10.4pp | 9468.18%-9457.8pp | 35.67%-25.3pp |
| Employer contribution / active EE | $1,271 | $1,584-19.8% | $4,155-69.4% | $2,757-53.9% |
| Participant deferral / active EE | $2,602 | $2,670-2.5% | $4,167-37.6% | $4,300-39.5% |
| Admin fee / account holder | $827 | $4,313-80.8% | $7,689-89.2% | $6,925-88.1% |