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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 | $96,731+4.9% | $123,973-18.1% | $86,983+16.7% |
| Participation rate | 48.7% | 70.0%-21.3pp | 76.7%-27.9pp | 69.5%-20.8pp |
| Annual return | 9.90% | 17.33%-7.4pp | 388.13%-378.2pp | 25.83%-15.9pp |
| Employer contribution / active EE | $1,189 | $3,297-63.9% | $4,126-71.2% | $2,584-54.0% |
| Participant deferral / active EE | $6,054 | $4,152+45.8% | $5,247+15.4% | $4,194+44.3% |
| Admin fee / account holder | $7,470 | $8,722-14.4% | $11,799-36.7% | $7,856-4.9% |