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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 | $72,310 | $63,354+14.1% | $94,105-23.2% | $82,637-12.5% |
| Participation rate | 41.9% | 63.8%-22.0pp | 71.9%-30.1pp | 68.1%-26.2pp |
| Annual return | 10.55% | 34.36%-23.8pp | 204.55%-194.0pp | 53.51%-43.0pp |
| Employer contribution / active EE | $1,456 | $1,760-17.2% | $2,504-41.9% | $2,552-42.9% |
| Participant deferral / active EE | $3,024 | $2,873+5.2% | $3,881-22.1% | $4,126-26.7% |
| Admin fee / account holder | $1,554 | $5,073-69.4% | $6,199-74.9% | $7,339-78.8% |