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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 | $95,585 | $81,208+17.7% | $98,916-3.4% | $79,858+19.7% |
| Participation rate | 64.9% | 72.5%-7.6pp | 76.0%-11.2pp | 69.6%-4.8pp |
| Annual return | 7.89% | 60.99%-53.1pp | 196.45%-188.6pp | 31.72%-23.8pp |
| Employer contribution / active EE | $759 | $1,960-61.3% | $2,689-71.8% | $2,471-69.3% |
| Participant deferral / active EE | $2,489 | $3,265-23.8% | $4,245-41.4% | $3,740-33.4% |
| Admin fee / account holder | $4,553 | $6,013-24.3% | $6,642-31.5% | $5,306-14.2% |