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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 | $77,831 | $77,638+0.2% | $156,551-50.3% | $62,881+23.8% |
| Participation rate | 56.8% | 71.2%-14.4pp | 84.0%-27.2pp | 69.3%-12.5pp |
| Annual return | 3.86% | 50.33%-46.5pp | 32.23%-28.4pp | 20.14%-16.3pp |
| Employer contribution / active EE | $1,252 | $3,444-63.6% | $5,501-77.2% | $2,281-45.1% |
| Participant deferral / active EE | $2,534 | $3,046-16.8% | $4,871-48.0% | $3,203-20.9% |
| Admin fee / account holder | $3,270 | $5,561-41.2% | $13,028-74.9% | $4,296-23.9% |