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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 | $100,216 | $51,638+94.1% | $68,368+46.6% | $82,448+21.6% |
| Participation rate | 59.4% | 63.6%-4.2pp | 73.8%-14.4pp | 68.1%-8.7pp |
| Annual return | 12.92% | 37.53%-24.6pp | 292.57%-279.7pp | 41.64%-28.7pp |
| Employer contribution / active EE | $1,336 | $2,047-34.7% | $2,649-49.6% | $2,551-47.6% |
| Participant deferral / active EE | $3,313 | $2,914+13.7% | $4,123-19.6% | $4,139-20.0% |
| Admin fee / account holder | $465 | $4,643-90.0% | $5,150-91.0% | $7,234-93.6% |