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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 | $107,901 | $62,549+72.5% | $85,705+25.9% | $85,851+25.7% |
| Participation rate | 48.5% | 61.1%-12.7pp | 69.9%-21.4pp | 69.3%-20.8pp |
| Annual return | 9.18% | 23.77%-14.6pp | 21.49%-12.3pp | 318.63%-309.5pp |
| Employer contribution / active EE | $1,226 | $1,755-30.2% | $2,619-53.2% | $2,565-52.2% |
| Participant deferral / active EE | $3,252 | $2,802+16.1% | $3,924-17.1% | $3,952-17.7% |
| Admin fee / account holder | $5,173 | $4,644+11.4% | $6,877-24.8% | $6,261-17.4% |