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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 | $81,031 | $93,598-13.4% | $135,974-40.4% | $75,173+7.8% |
| Participation rate | 65.4% | 75.2%-9.8pp | 81.9%-16.5pp | 67.2%-1.8pp |
| Annual return | 14.76% | 30.89%-16.1pp | 68.30%-53.5pp | 160.72%-146.0pp |
| Employer contribution / active EE | $1,772 | $3,538-49.9% | $4,859-63.5% | $2,671-33.7% |
| Participant deferral / active EE | $3,007 | $6,405-53.0% | $7,760-61.2% | $4,126-27.1% |
| Admin fee / account holder | $1,356 | $6,978-80.6% | $10,767-87.4% | $5,651-76.0% |