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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 | $88,788 | $103,164-13.9% | $90,259-1.6% | $154,746-42.6% |
| Participation rate | 59.1% | 76.1%-17.0pp | 70.7%-11.7pp | 80.7%-21.6pp |
| Annual return | 5.29% | 19.25%-14.0pp | 18.88%-13.6pp | 172.34%-167.0pp |
| Employer contribution / active EE | $2,289 | $2,532-9.6% | $2,291-0.1% | $4,379-47.7% |
| Participant deferral / active EE | $5,174 | $4,422+17.0% | $3,827+35.2% | $6,730-23.1% |
| Admin fee / account holder | $3,091 | $8,593-64.0% | $7,267-57.5% | $14,365-78.5% |