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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 | $96,308 | $46,877+105.4% | $122,354-21.3% | $70,126+37.3% |
| Participation rate | 33.3% | 58.2%-24.9pp | 71.6%-38.3pp | 69.5%-36.2pp |
| Annual return | 11.77% | 24.22%-12.5pp | 30.28%-18.5pp | 73.15%-61.4pp |
| Employer contribution / active EE | $5,423 | $1,288+321.0% | $4,051+33.9% | $2,343+131.5% |
| Participant deferral / active EE | $1,514 | $2,167-30.2% | $3,287-53.9% | $3,332-54.6% |
| Admin fee / account holder | $23,983 | $3,324+621.6% | $5,479+337.8% | $4,645+416.3% |