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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 | $77,044 | $58,627+31.4% | $76,735+0.4% | $82,448-6.6% |
| Participation rate | 58.3% | 63.2%-4.9pp | 69.5%-11.2pp | 68.1%-9.7pp |
| Annual return | 10.20% | 39.10%-28.9pp | 29.77%-19.6pp | 41.64%-31.4pp |
| Employer contribution / active EE | $1,517 | $1,729-12.3% | $2,454-38.2% | $2,551-40.5% |
| Participant deferral / active EE | $2,216 | $3,134-29.3% | $4,088-45.8% | $4,139-46.5% |
| Admin fee / account holder | $4,827 | $5,323-9.3% | $7,189-32.9% | $7,234-33.3% |