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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 | $61,845 | $78,705-21.4% | $117,860-47.5% | $70,124-11.8% |
| Participation rate | 63.0% | 73.2%-10.2pp | 79.7%-16.7pp | 69.5%-6.6pp |
| Annual return | 3.51% | 23.30%-19.8pp | 335.10%-331.6pp | 73.14%-69.6pp |
| Employer contribution / active EE | $2,213 | $2,223-0.5% | $3,786-41.6% | $2,342-5.5% |
| Participant deferral / active EE | $4,224 | $3,297+28.1% | $4,482-5.8% | $3,332+26.8% |
| Admin fee / account holder | $999 | $5,065-80.3% | $8,021-87.5% | $4,645-78.5% |