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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 | $79,943 | $69,590+14.9% | $136,867-41.6% | $94,015-15.0% |
| Participation rate | 55.2% | 66.3%-11.1pp | 74.5%-19.4pp | 70.8%-15.6pp |
| Annual return | 4.88% | 19.62%-14.7pp | 42.97%-38.1pp | 17.84%-13.0pp |
| Employer contribution / active EE | $2,066 | $2,396-13.8% | $3,547-41.8% | $2,790-26.0% |
| Participant deferral / active EE | $3,225 | $3,437-6.2% | $4,924-34.5% | $4,249-24.1% |
| Admin fee / account holder | $3,348 | $8,912-62.4% | $10,340-67.6% | $8,951-62.6% |