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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 | $137,009 | $117,895+16.2% | $102,460+33.7% | $145,897-6.1% |
| Participation rate | 40.0% | 78.6%-38.6pp | 76.5%-36.5pp | 80.3%-40.3pp |
| Annual return | 8.40% | 31.92%-23.5pp | 29.47%-21.1pp | 552.29%-543.9pp |
| Employer contribution / active EE | $1,082 | $3,619-70.1% | $3,025-64.2% | $4,663-76.8% |
| Participant deferral / active EE | $2,345 | $5,736-59.1% | $5,056-53.6% | $6,689-64.9% |
| Admin fee / account holder | $8,281 | $13,353-38.0% | $9,460-12.5% | $13,390-38.2% |