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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 | $60,187 | $89,259-32.6% | $107,187-43.8% | $82,637-27.2% |
| Participation rate | 62.1% | 67.9%-5.9pp | 75.0%-13.0pp | 68.1%-6.0pp |
| Annual return | 9.57% | 21.02%-11.5pp | 204.55%-195.0pp | 53.51%-43.9pp |
| Employer contribution / active EE | $2,920 | $3,080-5.2% | $3,782-22.8% | $2,552+14.4% |
| Participant deferral / active EE | $4,383 | $4,037+8.6% | $5,096-14.0% | $4,126+6.2% |
| Admin fee / account holder | $9,719 | $7,381+31.7% | $9,162+6.1% | $7,339+32.4% |