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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 | $64,808 | $51,642+25.5% | $129,384-49.9% | $80,935-19.9% |
| Participation rate | 57.6% | 56.9%+0.7pp | 69.6%-12.1pp | 67.7%-10.1pp |
| Annual return | 9.92% | 20.78%-10.9pp | 9461.77%-9451.9pp | 35.66%-25.7pp |
| Employer contribution / active EE | $1,251 | $1,583-21.0% | $4,153-69.9% | $2,757-54.6% |
| Participant deferral / active EE | $2,727 | $2,670+2.2% | $4,166-34.5% | $4,299-36.6% |
| Admin fee / account holder | $3,338 | $4,312-22.6% | $7,686-56.6% | $6,924-51.8% |