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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 | $93,678 | $102,245-8.4% | $89,340+4.9% | $137,256-31.7% |
| Participation rate | 50.0% | 74.9%-24.9pp | 69.6%-19.6pp | 80.0%-30.0pp |
| Annual return | 9.46% | 21.89%-12.4pp | 20.57%-11.1pp | 220.34%-210.9pp |
| Employer contribution / active EE | $3,814 | $2,529+50.8% | $2,231+70.9% | $4,156-8.2% |
| Participant deferral / active EE | $5,302 | $4,436+19.5% | $3,823+38.7% | $6,407-17.3% |
| Admin fee / account holder | $1,648 | $8,085-79.6% | $6,704-75.4% | $12,270-86.6% |