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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 | $220,152 | $60,442+264.2% | $96,754+127.5% | $87,485+151.6% |
| Participation rate | 48.3% | 58.7%-10.4pp | 70.3%-22.0pp | 68.9%-20.7pp |
| Annual return | 13.32% | 21.97%-8.6pp | 82.04%-68.7pp | 26.06%-12.7pp |
| Employer contribution / active EE | $1,585 | $1,691-6.2% | $2,679-40.8% | $2,596-38.9% |
| Participant deferral / active EE | $4,559 | $3,280+39.0% | $4,758-4.2% | $4,274+6.7% |
| Admin fee / account holder | $594 | $5,069-88.3% | $8,905-93.3% | $7,775-92.4% |