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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 | $97,527 | $88,672+10.0% | $105,223-7.3% | $82,448+18.3% |
| Participation rate | 55.6% | 67.9%-12.4pp | 75.0%-19.5pp | 68.1%-12.5pp |
| Annual return | 5.28% | 30.86%-25.6pp | 180.65%-175.4pp | 41.64%-36.4pp |
| Employer contribution / active EE | $2,062 | $3,048-32.3% | $3,689-44.1% | $2,551-19.2% |
| Participant deferral / active EE | $3,226 | $4,036-20.1% | $5,072-36.4% | $4,139-22.1% |
| Admin fee / account holder | $2,429 | $7,146-66.0% | $8,859-72.6% | $7,234-66.4% |