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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 | $82,395 | $72,273+14.0% | $101,275-18.6% | $79,856+3.2% |
| Participation rate | 65.8% | 68.5%-2.7pp | 75.8%-10.0pp | 69.6%-3.9pp |
| Annual return | 7.40% | 22.30%-14.9pp | 46.48%-39.1pp | 31.71%-24.3pp |
| Employer contribution / active EE | $1,505 | $2,691-44.1% | $3,660-58.9% | $2,471-39.1% |
| Participant deferral / active EE | $4,478 | $3,282+36.5% | $4,371+2.5% | $3,741+19.7% |
| Admin fee / account holder | $1,109 | $4,401-74.8% | $5,948-81.4% | $5,306-79.1% |