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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 | $79,891 | $72,273+10.5% | $101,275-21.1% | $79,8560% |
| Participation rate | 60.0% | 68.5%-8.5pp | 75.8%-15.8pp | 69.6%-9.6pp |
| Annual return | -0.71% | 22.30%-23.0pp | 46.48%-47.2pp | 31.71%-32.4pp |
| Employer contribution / active EE | $1,526 | $2,691-43.3% | $3,660-58.3% | $2,471-38.2% |
| Participant deferral / active EE | $3,945 | $3,282+20.2% | $4,371-9.7% | $3,741+5.5% |
| Admin fee / account holder | $9,320 | $4,401+111.8% | $5,948+56.7% | $5,306+75.6% |