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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 | $77,652 | $110,379-29.6% | $102,412-24.2% | $145,884-46.8% |
| Participation rate | 50.0% | 77.9%-27.9pp | 74.5%-24.5pp | 80.3%-30.3pp |
| Annual return | 7.86% | 24.84%-17.0pp | 24.94%-17.1pp | 551.85%-544.0pp |
| Employer contribution / active EE | $1,096 | $4,216-74.0% | $3,870-71.7% | $4,662-76.5% |
| Participant deferral / active EE | $9,700 | $5,622+72.5% | $5,060+91.7% | $6,690+45.0% |
| Admin fee / account holder | $1,143 | $9,745-88.3% | $8,388-86.4% | $13,392-91.5% |