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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 | $60,588 | $46,534+30.2% | $64,097-5.5% | $75,177-19.4% |
| Participation rate | 58.8% | 65.9%-7.1pp | 72.3%-13.5pp | 67.2%-8.4pp |
| Annual return | 9.51% | 26.07%-16.6pp | 33.75%-24.2pp | 160.75%-151.2pp |
| Employer contribution / active EE | $1,331 | $1,976-32.6% | $2,750-51.6% | $2,671-50.2% |
| Participant deferral / active EE | $3,293 | $2,835+16.2% | $3,881-15.2% | $4,126-20.2% |
| Admin fee / account holder | $10,393 | $2,957+251.5% | $3,070+238.6% | $5,651+83.9% |