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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 | $153,328 | $110,410+38.9% | $102,437+49.7% | $145,897+5.1% |
| Participation rate | 50.0% | 77.9%-27.9pp | 74.5%-24.5pp | 80.3%-30.3pp |
| Annual return | 8.28% | 24.85%-16.6pp | 24.95%-16.7pp | 552.29%-544.0pp |
| Employer contribution / active EE | $2,519 | $4,217-40.3% | $3,871-34.9% | $4,663-46.0% |
| Participant deferral / active EE | $6,083 | $5,622+8.2% | $5,060+20.2% | $6,689-9.1% |
| Admin fee / account holder | $981 | $9,745-89.9% | $8,388-88.3% | $13,390-92.7% |