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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 | $96,324 | $81,331+18.4% | $155,534-38.1% | $80,935+19.0% |
| Participation rate | 65.6% | 66.3%-0.6pp | 78.2%-12.6pp | 67.7%-2.0pp |
| Annual return | 9.75% | 33.37%-23.6pp | 64.92%-55.2pp | 35.66%-25.9pp |
| Employer contribution / active EE | $1,149 | $3,105-63.0% | $4,675-75.4% | $2,757-58.3% |
| Participant deferral / active EE | $2,462 | $3,454-28.7% | $5,630-56.3% | $4,299-42.7% |
| Admin fee / account holder | $8,437 | $7,999+5.5% | $15,900-46.9% | $6,924+21.8% |