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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 | $70,345 | $48,053+46.4% | $84,628-16.9% | $72,975-3.6% |
| Participation rate | 53.7% | 57.6%-3.8pp | 68.2%-14.5pp | 69.5%-15.8pp |
| Annual return | 17.78% | 37.39%-19.6pp | 258.80%-241.0pp | 81.01%-63.2pp |
| Employer contribution / active EE | $1,484 | $1,602-7.4% | $2,653-44.1% | $2,440-39.2% |
| Participant deferral / active EE | $3,150 | $2,681+17.5% | $3,900-19.2% | $3,608-12.7% |
| Admin fee / account holder | $10,603 | $3,395+212.3% | $4,914+115.8% | $5,124+106.9% |