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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 | $96,726 | $117,433-17.6% | $99,475-2.8% | $152,897-36.7% |
| Participation rate | 61.5% | 77.5%-16.0pp | 73.8%-12.3pp | 82.5%-20.9pp |
| Annual return | 3.99% | 31.87%-27.9pp | 30.72%-26.7pp | 345.43%-341.4pp |
| Employer contribution / active EE | $3,473 | $3,013+15.2% | $2,540+36.7% | $4,764-27.1% |
| Participant deferral / active EE | $3,817 | $4,086-6.6% | $3,619+5.5% | $5,851-34.8% |
| Admin fee / account holder | $4,029 | $7,634-47.2% | $6,252-35.6% | $11,599-65.3% |