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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 | $89,259+13.7% | $107,187-5.3% | $82,637+22.8% |
| Participation rate | 48.7% | 67.9%-19.2pp | 75.0%-26.3pp | 68.1%-19.3pp |
| Annual return | 9.90% | 21.02%-11.1pp | 204.55%-194.6pp | 53.51%-43.6pp |
| Employer contribution / active EE | $1,189 | $3,080-61.4% | $3,782-68.6% | $2,552-53.4% |
| Participant deferral / active EE | $6,054 | $4,037+49.9% | $5,096+18.8% | $4,126+46.7% |
| Admin fee / account holder | $7,470 | $7,381+1.2% | $9,162-18.5% | $7,339+1.8% |