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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 | $98,032 | $97,648+0.4% | $121,663-19.4% | $87,485+12.1% |
| Participation rate | 59.3% | 70.5%-11.2pp | 74.5%-15.2pp | 68.9%-9.7pp |
| Annual return | 10.57% | 18.03%-7.5pp | 147.54%-137.0pp | 26.06%-15.5pp |
| Employer contribution / active EE | $1,652 | $2,300-28.2% | $3,020-45.3% | $2,596-36.4% |
| Participant deferral / active EE | $5,772 | $3,923+47.1% | $4,887+18.1% | $4,274+35.1% |
| Admin fee / account holder | $2,110 | $11,100-81.0% | $14,289-85.2% | $7,775-72.9% |