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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 | $93,781 | $48,337+94.0% | $67,560+38.8% | $80,959+15.8% |
| Participation rate | 64.4% | 66.4%-2.0pp | 72.9%-8.5pp | 67.7%-3.2pp |
| Annual return | 10.98% | 18.26%-7.3pp | 3533.50%-3522.5pp | 35.67%-24.7pp |
| Employer contribution / active EE | $1,956 | $2,023-3.3% | $2,737-28.5% | $2,757-29.1% |
| Participant deferral / active EE | $3,088 | $2,928+5.5% | $4,004-22.9% | $4,300-28.2% |
| Admin fee / account holder | $6,353 | $3,695+71.9% | $3,994+59.1% | $6,925-8.3% |