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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 | $88,502 | $61,605+43.7% | $112,273-21.2% | $75,173+17.7% |
| Participation rate | 59.7% | 61.7%-2.0pp | 72.4%-12.7pp | 67.2%-7.5pp |
| Annual return | 9.66% | 28.47%-18.8pp | 30.23%-20.6pp | 160.72%-151.1pp |
| Employer contribution / active EE | $1,257 | $2,015-37.7% | $3,431-63.4% | $2,671-53.0% |
| Participant deferral / active EE | $4,690 | $3,108+50.9% | $4,800-2.3% | $4,126+13.7% |
| Admin fee / account holder | $2,833 | $4,862-41.7% | $7,752-63.5% | $5,651-49.9% |