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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 | $66,299 | $91,086-27.2% | $203,872-67.5% | $86,983-23.8% |
| Participation rate | 64.1% | 65.8%-1.7pp | 77.8%-13.7pp | 69.5%-5.4pp |
| Annual return | 10.88% | 22.30%-11.4pp | 85.11%-74.2pp | 25.83%-15.0pp |
| Employer contribution / active EE | $2,195 | $2,063+6.4% | $3,757-41.6% | $2,584-15.1% |
| Participant deferral / active EE | $3,438 | $4,019-14.5% | $6,388-46.2% | $4,194-18.0% |
| Admin fee / account holder | $3,687 | $8,987-59.0% | $11,730-68.6% | $7,856-53.1% |