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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 | $78,343 | $71,215+10.0% | $93,696-16.4% | $80,935-3.2% |
| Participation rate | 56.1% | 60.4%-4.3pp | 68.7%-12.6pp | 67.7%-11.6pp |
| Annual return | 7.47% | 11.27%-3.8pp | 133.74%-126.3pp | 35.66%-28.2pp |
| Employer contribution / active EE | $774 | $1,565-50.5% | $2,422-68.0% | $2,757-71.9% |
| Participant deferral / active EE | $3,566 | $4,037-11.7% | $4,417-19.3% | $4,299-17.1% |
| Admin fee / account holder | $11,620 | $6,958+67.0% | $8,287+40.2% | $6,924+67.8% |