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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 | $70,470 | $81,331-13.4% | $155,534-54.7% | $80,935-12.9% |
| Participation rate | 56.8% | 66.3%-9.5pp | 78.2%-21.5pp | 67.7%-10.9pp |
| Annual return | 10.43% | 33.37%-22.9pp | 64.92%-54.5pp | 35.66%-25.2pp |
| Employer contribution / active EE | $2,603 | $3,105-16.2% | $4,675-44.3% | $2,757-5.6% |
| Participant deferral / active EE | $5,716 | $3,454+65.5% | $5,630+1.5% | $4,299+33.0% |
| Admin fee / account holder | $9,907 | $7,999+23.8% | $15,900-37.7% | $6,924+43.1% |