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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 | $112,986 | $115,911-2.5% | $100,530+12.4% | $158,950-28.9% |
| Participation rate | 25.0% | 81.6%-56.6pp | 79.4%-54.4pp | 82.0%-57.0pp |
| Annual return | 5.97% | 34.80%-28.8pp | 30.89%-24.9pp | 302.91%-296.9pp |
| Employer contribution / active EE | $1,087 | $4,104-73.5% | $3,418-68.2% | $4,762-77.2% |
| Participant deferral / active EE | $4,952 | $6,676-25.8% | $6,271-21.0% | $5,983-17.2% |
| Admin fee / account holder | $5,257 | $10,999-52.2% | $8,083-35.0% | $11,248-53.3% |