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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 | $114,453 | $78,423+45.9% | $95,964+19.3% | $79,856+43.3% |
| Participation rate | 60.0% | 73.5%-13.5pp | 77.1%-17.1pp | 69.6%-9.6pp |
| Annual return | 3.16% | 19.37%-16.2pp | 91.64%-88.5pp | 31.71%-28.6pp |
| Employer contribution / active EE | $1,473 | $1,945-24.3% | $2,541-42.0% | $2,471-40.4% |
| Participant deferral / active EE | $4,185 | $3,440+21.6% | $4,167+0.4% | $3,741+11.9% |
| Admin fee / account holder | $18,901 | $5,622+236.2% | $6,797+178.1% | $5,306+256.2% |