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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 | $90,714 | $51,638+75.7% | $68,368+32.7% | $82,448+10.0% |
| Participation rate | 64.0% | 63.6%+0.4pp | 73.8%-9.8pp | 68.1%-4.1pp |
| Annual return | 11.86% | 37.53%-25.7pp | 292.57%-280.7pp | 41.64%-29.8pp |
| Employer contribution / active EE | $1,495 | $2,047-26.9% | $2,649-43.6% | $2,551-41.4% |
| Participant deferral / active EE | $2,738 | $2,914-6.0% | $4,123-33.6% | $4,139-33.8% |
| Admin fee / account holder | $4,880 | $4,643+5.1% | $5,150-5.2% | $7,234-32.5% |