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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 | $124,302 | $91,198+36.3% | $178,503-30.4% | $79,856+55.7% |
| Participation rate | 69.4% | 69.2%+0.2pp | 81.9%-12.5pp | 69.6%-0.2pp |
| Annual return | 9.48% | 24.20%-14.7pp | 151.12%-141.6pp | 31.71%-22.2pp |
| Employer contribution / active EE | $1,828 | $3,257-43.9% | $5,011-63.5% | $2,471-26.0% |
| Participant deferral / active EE | $3,156 | $3,237-2.5% | $5,202-39.3% | $3,741-15.6% |
| Admin fee / account holder | $1,206 | $6,748-82.1% | $13,987-91.4% | $5,306-77.3% |