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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 | $93,744 | $101,778-7.9% | $164,975-43.2% | $80,925+15.8% |
| Participation rate | 44.0% | 71.8%-27.8pp | 78.6%-34.6pp | 67.7%-23.7pp |
| Annual return | 9.36% | 16.73%-7.4pp | 70.12%-60.8pp | 35.65%-26.3pp |
| Employer contribution / active EE | $5,709 | $2,954+93.3% | $4,343+31.5% | $2,756+107.1% |
| Participant deferral / active EE | $4,787 | $4,477+6.9% | $6,033-20.7% | $4,299+11.4% |
| Admin fee / account holder | $186,416 | $8,221+2167.5% | $12,688+1369.2% | $6,940+2586.1% |