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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 | $71,319 | $79,894-10.7% | $135,792-47.5% | $82,637-13.7% |
| Participation rate | 58.9% | 63.0%-4.1pp | 72.6%-13.7pp | 68.1%-9.1pp |
| Annual return | 11.74% | 17.20%-5.5pp | 25.96%-14.2pp | 53.51%-41.8pp |
| Employer contribution / active EE | $1,409 | $2,165-34.9% | $3,496-59.7% | $2,552-44.8% |
| Participant deferral / active EE | $4,989 | $3,194+56.2% | $4,759+4.8% | $4,126+20.9% |
| Admin fee / account holder | $34,962 | $6,434+443.4% | $12,266+185.0% | $7,339+376.4% |