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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 | $89,219 | $223,823-60.1% | $211,142-57.7% | $154,746-42.3% |
| Participation rate | 60.0% | 87.9%-27.9pp | 87.3%-27.3pp | 80.7%-20.7pp |
| Annual return | 9.02% | 50.39%-41.4pp | 46.84%-37.8pp | 172.34%-163.3pp |
| Employer contribution / active EE | $6,385 | $6,787-5.9% | $6,442-0.9% | $4,379+45.8% |
| Participant deferral / active EE | $13,529 | $9,750+38.8% | $9,284+45.7% | $6,730+101.0% |
| Admin fee / account holder | $8,392 | $19,707-57.4% | $19,076-56.0% | $14,365-41.6% |