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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 | $95,242 | $106,280-10.4% | $96,538-1.3% | $139,487-31.7% |
| Participation rate | 63.6% | 77.8%-14.2pp | 74.3%-10.7pp | 80.3%-16.7pp |
| Annual return | 10.28% | 38.48%-28.2pp | 35.74%-25.5pp | 373.84%-363.6pp |
| Employer contribution / active EE | $1,901 | $4,107-53.7% | $3,740-49.2% | $4,755-60.0% |
| Participant deferral / active EE | $4,650 | $5,457-14.8% | $4,880-4.7% | $6,713-30.7% |
| Admin fee / account holder | $1,456 | $7,888-81.5% | $6,737-78.4% | $11,407-87.2% |