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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 | $95,862 | $91,559+4.7% | $133,978-28.4% | $79,856+20.0% |
| Participation rate | 58.5% | 73.3%-14.8pp | 79.8%-21.3pp | 69.6%-11.1pp |
| Annual return | 2.36% | 61.85%-59.5pp | 45.10%-42.7pp | 31.71%-29.3pp |
| Employer contribution / active EE | $1,056 | $2,384-55.7% | $3,919-73.1% | $2,471-57.3% |
| Participant deferral / active EE | $3,537 | $3,734-5.3% | $5,047-29.9% | $3,741-5.4% |
| Admin fee / account holder | $5,479 | $6,321-13.3% | $8,930-38.6% | $5,306+3.3% |