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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 | $59,302 | $68,681-13.7% | $86,615-31.5% | $85,847-30.9% |
| Participation rate | 60.8% | 66.4%-5.6pp | 71.6%-10.9pp | 69.3%-8.6pp |
| Annual return | 10.94% | 20.12%-9.2pp | 63.51%-52.6pp | 318.61%-307.7pp |
| Employer contribution / active EE | $1,250 | $1,880-33.5% | $2,496-49.9% | $2,565-51.3% |
| Participant deferral / active EE | $2,040 | $2,919-30.1% | $3,699-44.9% | $3,952-48.4% |
| Admin fee / account holder | $9,204 | $5,974+54.1% | $5,830+57.9% | $6,261+47.0% |