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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 | $90,520 | $77,908+16.2% | $149,696-39.5% | $75,173+20.4% |
| Participation rate | 56.4% | 65.6%-9.2pp | 78.8%-22.4pp | 67.2%-10.8pp |
| Annual return | 10.51% | 31.73%-21.2pp | 134.46%-123.9pp | 160.72%-150.2pp |
| Employer contribution / active EE | $1,902 | $3,138-39.4% | $4,821-60.5% | $2,671-28.8% |
| Participant deferral / active EE | $4,094 | $3,411+20.0% | $5,682-28.0% | $4,126-0.8% |
| Admin fee / account holder | $1,840 | $5,950-69.1% | $13,212-86.1% | $5,651-67.4% |