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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 | $101,964 | $106,267-4.0% | $96,520+5.6% | $139,456-26.9% |
| Participation rate | 50.0% | 77.8%-27.8pp | 74.3%-24.3pp | 80.3%-30.3pp |
| Annual return | 3.53% | 38.45%-34.9pp | 35.72%-32.2pp | 373.45%-369.9pp |
| Employer contribution / active EE | $1,271 | $4,105-69.0% | $3,739-66.0% | $4,753-73.3% |
| Participant deferral / active EE | $5,038 | $5,454-7.6% | $4,879+3.3% | $6,711-24.9% |
| Admin fee / account holder | $2,339 | $7,882-70.3% | $6,733-65.3% | $11,407-79.5% |