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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 | $59,815 | $98,766-39.4% | $149,730-60.1% | $79,852-25.1% |
| Participation rate | 66.0% | 75.8%-9.8pp | 82.5%-16.5pp | 69.6%-3.7pp |
| Annual return | 6.81% | 27.43%-20.6pp | 276.70%-269.9pp | 31.72%-24.9pp |
| Employer contribution / active EE | $3,557 | $3,217+10.6% | $4,645-23.4% | $2,471+43.9% |
| Participant deferral / active EE | $7,035 | $5,681+23.8% | $6,843+2.8% | $3,740+88.1% |
| Admin fee / account holder | $14,610 | $6,052+141.4% | $9,310+56.9% | $5,306+175.3% |