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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 | $61,495 | $93,598-34.3% | $135,974-54.8% | $75,173-18.2% |
| Participation rate | 63.6% | 75.2%-11.6pp | 81.9%-18.3pp | 67.2%-3.6pp |
| Annual return | 12.19% | 30.89%-18.7pp | 68.30%-56.1pp | 160.72%-148.5pp |
| Employer contribution / active EE | $3,952 | $3,538+11.7% | $4,859-18.7% | $2,671+48.0% |
| Participant deferral / active EE | $7,979 | $6,405+24.6% | $7,760+2.8% | $4,126+93.4% |
| Admin fee / account holder | $20,835 | $6,978+198.6% | $10,767+93.5% | $5,651+268.7% |