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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 | $232,814 | $87,106+167.3% | $105,607+120.5% | $80,935+187.7% |
| Participation rate | 50.0% | 70.4%-20.4pp | 75.3%-25.3pp | 67.7%-17.7pp |
| Annual return | 9.17% | 17.01%-7.8pp | 116.11%-106.9pp | 35.66%-26.5pp |
| Employer contribution / active EE | $1,097 | $2,396-54.2% | $3,167-65.4% | $2,757-60.2% |
| Participant deferral / active EE | $3,202 | $3,986-19.7% | $5,011-36.1% | $4,299-25.5% |
| Admin fee / account holder | $8,397 | $8,447-0.6% | $10,958-23.4% | $6,924+21.3% |