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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 | $91,169 | $55,889+63.1% | $76,119+19.8% | $80,935+12.6% |
| Participation rate | 53.6% | 62.1%-8.5pp | 69.1%-15.5pp | 67.7%-14.1pp |
| Annual return | 9.41% | 20.58%-11.2pp | 361.25%-351.8pp | 35.66%-26.3pp |
| Employer contribution / active EE | $2,058 | $1,866+10.3% | $2,693-23.6% | $2,757-25.3% |
| Participant deferral / active EE | $4,100 | $3,051+34.4% | $4,259-3.7% | $4,299-4.6% |
| Admin fee / account holder | $4,597 | $5,241-12.3% | $6,421-28.4% | $6,924-33.6% |