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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 | $86,885 | $87,059-0.2% | $105,608-17.7% | $80,925+7.4% |
| Participation rate | 69.0% | 70.4%-1.5pp | 75.3%-6.3pp | 67.7%+1.3pp |
| Annual return | 9.93% | 17.05%-7.1pp | 116.50%-106.6pp | 35.65%-25.7pp |
| Employer contribution / active EE | $1,396 | $2,396-41.8% | $3,167-55.9% | $2,756-49.4% |
| Participant deferral / active EE | $2,974 | $3,986-25.4% | $5,010-40.6% | $4,299-30.8% |
| Admin fee / account holder | $6,542 | $8,443-22.5% | $11,028-40.7% | $6,940-5.7% |