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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 | $83,178 | $89,364-6.9% | $141,177-41.1% | $72,983+14.0% |
| Participation rate | 64.0% | 75.1%-11.1pp | 82.5%-18.5pp | 69.5%-5.5pp |
| Annual return | 5.75% | 111.86%-106.1pp | 71.40%-65.7pp | 81.01%-75.3pp |
| Employer contribution / active EE | $1,444 | $3,115-53.6% | $4,736-69.5% | $2,440-40.8% |
| Participant deferral / active EE | $3,760 | $5,419-30.6% | $6,710-44.0% | $3,608+4.2% |
| Admin fee / account holder | $4,568 | $5,959-23.3% | $10,263-55.5% | $5,124-10.9% |