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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 | $110,642 | $101,795+8.7% | $165,100-33.0% | $80,959+36.7% |
| Participation rate | 29.6% | 71.8%-42.2pp | 78.6%-49.0pp | 67.7%-38.0pp |
| Annual return | 9.49% | 16.73%-7.2pp | 70.21%-60.7pp | 35.67%-26.2pp |
| Employer contribution / active EE | $1,229 | $2,954-58.4% | $4,348-71.7% | $2,757-55.4% |
| Participant deferral / active EE | $3,831 | $4,476-14.4% | $6,035-36.5% | $4,300-10.9% |
| Admin fee / account holder | $48,358 | $8,221+488.2% | $12,696+280.9% | $6,925+598.3% |