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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 | $70,993 | $81,358-12.7% | $155,556-54.4% | $80,959-12.3% |
| Participation rate | 58.9% | 66.3%-7.3pp | 78.2%-19.3pp | 67.7%-8.7pp |
| Annual return | 9.99% | 33.39%-23.4pp | 64.84%-54.8pp | 35.67%-25.7pp |
| Employer contribution / active EE | $2,042 | $3,106-34.3% | $4,675-56.3% | $2,757-25.9% |
| Participant deferral / active EE | $2,855 | $3,455-17.4% | $5,631-49.3% | $4,300-33.6% |
| Admin fee / account holder | $7,423 | $7,994-7.1% | $15,885-53.3% | $6,925+7.2% |