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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 | $51,631+25.5% | $129,397-49.9% | $80,925-19.9% |
| Participation rate | 57.6% | 56.9%+0.6pp | 69.6%-12.0pp | 67.7%-10.1pp |
| Annual return | 9.92% | 20.77%-10.9pp | 9453.98%-9444.1pp | 35.65%-25.7pp |
| Employer contribution / active EE | $1,251 | $1,583-21.0% | $4,154-69.9% | $2,756-54.6% |
| Participant deferral / active EE | $2,727 | $2,670+2.2% | $4,167-34.6% | $4,299-36.6% |
| Admin fee / account holder | $3,338 | $4,309-22.5% | $7,679-56.5% | $6,940-51.9% |