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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 | $88,314 | $68,852+28.3% | $120,524-26.7% | $80,925+9.1% |
| Participation rate | 64.3% | 61.6%+2.7pp | 71.9%-7.6pp | 67.7%-3.4pp |
| Annual return | 7.79% | 23.67%-15.9pp | 107.36%-99.6pp | 35.65%-27.9pp |
| Employer contribution / active EE | $996 | $2,063-51.7% | $3,469-71.3% | $2,756-63.9% |
| Participant deferral / active EE | $4,842 | $3,187+51.9% | $4,994-3.0% | $4,299+12.6% |
| Admin fee / account holder | $24,292 | $5,781+320.2% | $9,440+157.3% | $6,940+250.0% |