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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 | $120,957 | $78,423+54.2% | $95,964+26.0% | $79,856+51.5% |
| Participation rate | 64.3% | 73.5%-9.2pp | 77.1%-12.8pp | 69.6%-5.4pp |
| Annual return | 2.95% | 19.37%-16.4pp | 91.64%-88.7pp | 31.71%-28.8pp |
| Employer contribution / active EE | $1,181 | $1,945-39.3% | $2,541-53.5% | $2,471-52.2% |
| Participant deferral / active EE | $3,499 | $3,440+1.7% | $4,167-16.0% | $3,741-6.5% |
| Admin fee / account holder | $683 | $5,622-87.8% | $6,797-89.9% | $5,306-87.1% |