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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 | $95,221 | $68,880+38.2% | $120,580-21.0% | $80,959+17.6% |
| Participation rate | 62.8% | 61.7%+1.1pp | 72.0%-9.2pp | 67.7%-4.9pp |
| Annual return | 10.20% | 23.68%-13.5pp | 107.48%-97.3pp | 35.67%-25.5pp |
| Employer contribution / active EE | $1,424 | $2,066-31.1% | $3,469-59.0% | $2,757-48.4% |
| Participant deferral / active EE | $4,935 | $3,191+54.7% | $4,995-1.2% | $4,300+14.8% |
| Admin fee / account holder | $1,575 | $5,785-72.8% | $9,418-83.3% | $6,925-77.3% |