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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 | $80,073 | $88,672-9.7% | $105,223-23.9% | $82,448-2.9% |
| Participation rate | 67.6% | 67.9%-0.4pp | 75.0%-7.5pp | 68.1%-0.5pp |
| Annual return | 12.07% | 30.86%-18.8pp | 180.65%-168.6pp | 41.64%-29.6pp |
| Employer contribution / active EE | $1,402 | $3,048-54.0% | $3,689-62.0% | $2,551-45.0% |
| Participant deferral / active EE | $3,833 | $4,036-5.0% | $5,072-24.4% | $4,139-7.4% |
| Admin fee / account holder | $24,745 | $7,146+246.3% | $8,859+179.3% | $7,234+242.0% |