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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 | $70,294 | $77,920-9.8% | $149,723-53.1% | $75,177-6.5% |
| Participation rate | 64.1% | 65.6%-1.5pp | 78.8%-14.7pp | 67.2%-3.1pp |
| Annual return | 13.15% | 31.72%-18.6pp | 134.50%-121.3pp | 160.75%-147.6pp |
| Employer contribution / active EE | $1,827 | $3,138-41.8% | $4,821-62.1% | $2,671-31.6% |
| Participant deferral / active EE | $3,476 | $3,411+1.9% | $5,682-38.8% | $4,126-15.8% |
| Admin fee / account holder | $4,355 | $5,951-26.8% | $13,215-67.0% | $5,651-22.9% |