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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 | $84,459 | $106,749-20.9% | $145,433-41.9% | $82,448+2.4% |
| Participation rate | 64.0% | 75.6%-11.6pp | 82.1%-18.1pp | 68.1%-4.1pp |
| Annual return | 11.36% | 27.59%-16.2pp | 66.58%-55.2pp | 41.64%-30.3pp |
| Employer contribution / active EE | $1,510 | $3,444-56.2% | $4,554-66.9% | $2,551-40.8% |
| Participant deferral / active EE | $10,098 | $6,519+54.9% | $7,897+27.9% | $4,139+143.9% |
| Admin fee / account holder | $23,634 | $8,390+181.7% | $13,129+80.0% | $7,234+226.7% |