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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 | $101,508 | $88,672+14.5% | $105,223-3.5% | $82,448+23.1% |
| Participation rate | 48.7% | 67.9%-19.2pp | 75.0%-26.3pp | 68.1%-19.3pp |
| Annual return | 9.90% | 30.86%-21.0pp | 180.65%-170.7pp | 41.64%-31.7pp |
| Employer contribution / active EE | $1,189 | $3,048-61.0% | $3,689-67.8% | $2,551-53.4% |
| Participant deferral / active EE | $6,054 | $4,036+50.0% | $5,072+19.4% | $4,139+46.2% |
| Admin fee / account holder | $7,470 | $7,146+4.5% | $8,859-15.7% | $7,234+3.3% |