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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 | $102,255 | $110,137-7.2% | $161,149-36.5% | $82,637+23.7% |
| Participation rate | 60.7% | 72.4%-11.6pp | 78.8%-18.1pp | 68.1%-7.3pp |
| Annual return | 6.36% | 20.69%-14.3pp | 21.16%-14.8pp | 53.51%-47.1pp |
| Employer contribution / active EE | $1,476 | $2,856-48.3% | $4,360-66.1% | $2,552-42.2% |
| Participant deferral / active EE | $4,247 | $4,575-7.1% | $6,153-31.0% | $4,126+2.9% |
| Admin fee / account holder | $12,399 | $9,467+31.0% | $15,194-18.4% | $7,339+69.0% |