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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 | $79,290 | $98,766-19.7% | $149,730-47.0% | $79,852-0.7% |
| Participation rate | 57.4% | 75.8%-18.3pp | 82.5%-25.0pp | 69.6%-12.2pp |
| Annual return | 10.35% | 27.43%-17.1pp | 276.70%-266.3pp | 31.72%-21.4pp |
| Employer contribution / active EE | $3,595 | $3,217+11.8% | $4,645-22.6% | $2,471+45.5% |
| Participant deferral / active EE | $8,536 | $5,681+50.3% | $6,843+24.8% | $3,740+128.2% |
| Admin fee / account holder | $4,182 | $6,052-30.9% | $9,310-55.1% | $5,306-21.2% |