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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 | $121,791 | $177,156-31.3% | $147,027-17.2% | $154,746-21.3% |
| Participation rate | 60.0% | 79.4%-19.4pp | 73.7%-13.7pp | 80.7%-20.7pp |
| Annual return | 3.24% | 21.94%-18.7pp | 20.23%-17.0pp | 172.34%-169.1pp |
| Employer contribution / active EE | $5,756 | $4,336+32.7% | $3,626+58.8% | $4,379+31.5% |
| Participant deferral / active EE | $3,002 | $5,797-48.2% | $4,933-39.1% | $6,730-55.4% |
| Admin fee / account holder | $1,823 | $14,904-87.8% | $12,223-85.1% | $14,365-87.3% |