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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 | $99,633 | $91,179+9.3% | $178,499-44.2% | $79,852+24.8% |
| Participation rate | 37.5% | 69.2%-31.7pp | 81.9%-44.4pp | 69.6%-32.1pp |
| Annual return | 5.90% | 24.19%-18.3pp | 151.10%-145.2pp | 31.72%-25.8pp |
| Employer contribution / active EE | $438 | $3,256-86.5% | $5,011-91.3% | $2,471-82.3% |
| Participant deferral / active EE | $3,977 | $3,236+22.9% | $5,202-23.5% | $3,740+6.3% |
| Admin fee / account holder | $3,182 | $6,749-52.8% | $13,986-77.2% | $5,306-40.0% |