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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 | $129,767 | $114,013+13.8% | $103,693+25.1% | $155,188-16.4% |
| Participation rate | 60.0% | 75.2%-15.2pp | 72.6%-12.6pp | 80.8%-20.8pp |
| Annual return | 5.43% | 49.31%-43.9pp | 47.61%-42.2pp | 148.84%-143.4pp |
| Employer contribution / active EE | $1,229 | $3,131-60.7% | $2,920-57.9% | $4,248-71.1% |
| Participant deferral / active EE | $2,892 | $4,970-41.8% | $4,579-36.8% | $6,531-55.7% |
| Admin fee / account holder | $1,160 | $8,407-86.2% | $7,858-85.2% | $14,480-92.0% |