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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 | $63,820 | $76,407-16.5% | $150,298-57.5% | $82,448-22.6% |
| Participation rate | 56.1% | 66.4%-10.3pp | 77.8%-21.7pp | 68.1%-12.0pp |
| Annual return | 13.11% | 39.99%-26.9pp | 62.79%-49.7pp | 41.64%-28.5pp |
| Employer contribution / active EE | $1,081 | $2,614-58.7% | $4,154-74.0% | $2,551-57.6% |
| Participant deferral / active EE | $1,703 | $3,214-47.0% | $5,453-68.8% | $4,139-58.8% |
| Admin fee / account holder | $6,208 | $6,352-2.3% | $14,116-56.0% | $7,234-14.2% |