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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 | $137,035 | $161,352-15.1% | $134,172+2.1% | $137,256-0.2% |
| Participation rate | 66.7% | 78.3%-11.6pp | 72.5%-5.8pp | 80.0%-13.3pp |
| Annual return | 6.81% | 28.72%-21.9pp | 25.30%-18.5pp | 220.34%-213.5pp |
| Employer contribution / active EE | $1,295 | $4,099-68.4% | $3,420-62.1% | $4,156-68.8% |
| Participant deferral / active EE | $1,727 | $5,552-68.9% | $4,690-63.2% | $6,407-73.0% |
| Admin fee / account holder | $3,149 | $15,028-79.0% | $12,016-73.8% | $12,270-74.3% |