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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 | $81,217 | $88,672-8.4% | $105,223-22.8% | $82,448-1.5% |
| Participation rate | 55.6% | 67.9%-12.4pp | 75.0%-19.5pp | 68.1%-12.5pp |
| Annual return | 11.28% | 30.86%-19.6pp | 180.65%-169.4pp | 41.64%-30.4pp |
| Employer contribution / active EE | $2,427 | $3,048-20.4% | $3,689-34.2% | $2,551-4.8% |
| Participant deferral / active EE | $4,074 | $4,036+1.0% | $5,072-19.7% | $4,139-1.6% |
| Admin fee / account holder | $881 | $7,146-87.7% | $8,859-90.1% | $7,234-87.8% |