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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 | $116,495 | $99,345+17.3% | $84,753+37.5% | $273,972-57.5% |
| Participation rate | 66.7% | 80.7%-14.0pp | 76.6%-9.9pp | 83.0%-16.3pp |
| Annual return | 1.03% | 22.93%-21.9pp | 22.78%-21.8pp | 41.46%-40.4pp |
| Employer contribution / active EE | $1,353 | $4,214-67.9% | $3,574-62.1% | $4,869-72.2% |
| Participant deferral / active EE | $4,727 | $4,270+10.7% | $3,712+27.4% | $5,287-10.6% |
| Admin fee / account holder | $740 | $6,645-88.9% | $5,333-86.1% | $10,133-92.7% |