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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 | $90,907 | $51,631+76.1% | $129,397-29.7% | $80,925+12.3% |
| Participation rate | 66.0% | 56.9%+9.1pp | 69.6%-3.6pp | 67.7%-1.7pp |
| Annual return | 8.02% | 20.77%-12.8pp | 9453.98%-9446.0pp | 35.65%-27.6pp |
| Employer contribution / active EE | $510 | $1,583-67.8% | $4,154-87.7% | $2,756-81.5% |
| Participant deferral / active EE | $3,478 | $2,670+30.3% | $4,167-16.5% | $4,299-19.1% |
| Admin fee / account holder | $3,123 | $4,309-27.5% | $7,679-59.3% | $6,940-55.0% |