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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 | $71,402 | $60,442+18.1% | $96,754-26.2% | $87,485-18.4% |
| Participation rate | 44.2% | 58.7%-14.5pp | 70.3%-26.0pp | 68.9%-24.7pp |
| Annual return | 12.29% | 21.97%-9.7pp | 82.04%-69.7pp | 26.06%-13.8pp |
| Employer contribution / active EE | $2,504 | $1,691+48.1% | $2,679-6.5% | $2,596-3.6% |
| Participant deferral / active EE | $3,990 | $3,280+21.6% | $4,758-16.2% | $4,274-6.6% |
| Admin fee / account holder | $16,958 | $5,069+234.5% | $8,905+90.4% | $7,775+118.1% |