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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 | $135,731 | $95,406+42.3% | $185,849-27.0% | $85,847+58.1% |
| Participation rate | 39.5% | 68.8%-29.3pp | 81.7%-42.2pp | 69.3%-29.8pp |
| Annual return | 5.90% | 23.59%-17.7pp | 122.10%-116.2pp | 318.61%-312.7pp |
| Employer contribution / active EE | $3,932 | $3,314+18.6% | $5,169-23.9% | $2,565+53.3% |
| Participant deferral / active EE | $2,032 | $3,424-40.6% | $5,569-63.5% | $3,952-48.6% |
| Admin fee / account holder | $6,742 | $7,214-6.5% | $16,244-58.5% | $6,261+7.7% |