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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 | $71,336 | $64,324+10.9% | $118,946-40.0% | $79,852-10.7% |
| Participation rate | 65.5% | 64.9%+0.7pp | 75.4%-9.9pp | 69.6%-4.1pp |
| Annual return | 9.92% | 86.45%-76.5pp | 35.89%-26.0pp | 31.72%-21.8pp |
| Employer contribution / active EE | $1,071 | $1,836-41.7% | $3,263-67.2% | $2,471-56.7% |
| Participant deferral / active EE | $2,023 | $2,824-28.4% | $4,266-52.6% | $3,740-45.9% |
| Admin fee / account holder | $8,949 | $4,040+121.5% | $6,581+36.0% | $5,306+68.7% |