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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 | $76,769 | $154,228-50.2% | $145,433-47.2% | $137,256-44.1% |
| Participation rate | 50.0% | 83.8%-33.8pp | 82.1%-32.1pp | 80.0%-30.0pp |
| Annual return | 2.34% | 74.59%-72.3pp | 66.58%-64.2pp | 220.34%-218.0pp |
| Employer contribution / active EE | $5,349 | $4,804+11.3% | $4,554+17.4% | $4,156+28.7% |
| Participant deferral / active EE | $12,318 | $8,216+49.9% | $7,897+56.0% | $6,407+92.3% |
| Admin fee / account holder | $7,698 | $14,344-46.3% | $13,129-41.4% | $12,270-37.3% |