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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 | $80,004 | $112,729-29.0% | $98,716-19.0% | $137,256-41.7% |
| Participation rate | 53.8% | 74.2%-20.4pp | 69.3%-15.4pp | 80.0%-26.1pp |
| Annual return | 8.89% | 38.48%-29.6pp | 31.81%-22.9pp | 220.34%-211.5pp |
| Employer contribution / active EE | $1,590 | $2,725-41.7% | $2,279-30.2% | $4,156-61.8% |
| Participant deferral / active EE | $2,666 | $4,640-42.5% | $4,048-34.1% | $6,407-58.4% |
| Admin fee / account holder | $8,172 | $10,129-19.3% | $8,703-6.1% | $12,270-33.4% |