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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 | $105,196 | $117,846-10.7% | $102,434+2.7% | $145,884-27.9% |
| Participation rate | 42.9% | 78.6%-35.8pp | 76.5%-33.7pp | 80.3%-37.4pp |
| Annual return | 6.41% | 31.90%-25.5pp | 29.46%-23.0pp | 551.85%-545.4pp |
| Employer contribution / active EE | $2,880 | $3,615-20.3% | $3,023-4.7% | $4,662-38.2% |
| Participant deferral / active EE | $5,717 | $5,733-0.3% | $5,055+13.1% | $6,690-14.5% |
| Admin fee / account holder | $22,612 | $13,356+69.3% | $9,462+139.0% | $13,392+68.9% |