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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 | $78,528 | $81,331-3.4% | $155,534-49.5% | $80,935-3.0% |
| Participation rate | 63.0% | 66.3%-3.2pp | 78.2%-15.2pp | 67.7%-4.6pp |
| Annual return | 10.44% | 33.37%-22.9pp | 64.92%-54.5pp | 35.66%-25.2pp |
| Employer contribution / active EE | $1,862 | $3,105-40.0% | $4,675-60.2% | $2,757-32.5% |
| Participant deferral / active EE | $3,198 | $3,454-7.4% | $5,630-43.2% | $4,299-25.6% |
| Admin fee / account holder | $3,430 | $7,999-57.1% | $15,900-78.4% | $6,924-50.5% |