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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 | $87,264 | $98,766-11.6% | $149,730-41.7% | $79,852+9.3% |
| Participation rate | 69.4% | 75.8%-6.4pp | 82.5%-13.1pp | 69.6%-0.2pp |
| Annual return | 12.10% | 27.43%-15.3pp | 276.70%-264.6pp | 31.72%-19.6pp |
| Employer contribution / active EE | $2,668 | $3,217-17.1% | $4,645-42.6% | $2,471+8.0% |
| Participant deferral / active EE | $5,334 | $5,681-6.1% | $6,843-22.0% | $3,740+42.6% |
| Admin fee / account holder | $1,101 | $6,052-81.8% | $9,310-88.2% | $5,306-79.2% |