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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 | $117,414 | $55,902+110.0% | $76,030+54.4% | $80,959+45.0% |
| Participation rate | 34.5% | 62.1%-27.5pp | 69.1%-34.5pp | 67.7%-33.1pp |
| Annual return | 9.69% | 20.59%-10.9pp | 361.54%-351.8pp | 35.67%-26.0pp |
| Employer contribution / active EE | $1,556 | $1,867-16.7% | $2,688-42.1% | $2,757-43.6% |
| Participant deferral / active EE | $2,942 | $3,051-3.6% | $4,257-30.9% | $4,300-31.6% |
| Admin fee / account holder | $6,117 | $5,239+16.7% | $6,421-4.7% | $6,925-11.7% |