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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 | $69,248 | $110,410-37.3% | $102,437-32.4% | $145,897-52.5% |
| Participation rate | 50.0% | 77.9%-27.9pp | 74.5%-24.5pp | 80.3%-30.3pp |
| Annual return | 6.44% | 24.85%-18.4pp | 24.95%-18.5pp | 552.29%-545.9pp |
| Employer contribution / active EE | $3,185 | $4,217-24.5% | $3,871-17.7% | $4,663-31.7% |
| Participant deferral / active EE | $6,188 | $5,622+10.1% | $5,060+22.3% | $6,689-7.5% |
| Admin fee / account holder | $537 | $9,745-94.5% | $8,388-93.6% | $13,390-96.0% |