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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 | $69,881 | $58,851+18.7% | $115,170-39.3% | $72,975-4.2% |
| Participation rate | 61.2% | 65.5%-4.3pp | 75.9%-14.7pp | 69.5%-8.3pp |
| Annual return | 6.42% | 23.16%-16.7pp | 35.60%-29.2pp | 81.01%-74.6pp |
| Employer contribution / active EE | $1,273 | $1,798-29.2% | $3,179-60.0% | $2,440-47.8% |
| Participant deferral / active EE | $1,616 | $2,643-38.8% | $4,169-61.2% | $3,608-55.2% |
| Admin fee / account holder | $14,436 | $6,370+126.6% | $7,089+103.6% | $5,124+181.7% |