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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 | $83,908 | $89,259-6.0% | $107,187-21.7% | $82,637+1.5% |
| Participation rate | 56.5% | 67.9%-11.4pp | 75.0%-18.5pp | 68.1%-11.5pp |
| Annual return | 12.04% | 21.02%-9.0pp | 204.55%-192.5pp | 53.51%-41.5pp |
| Employer contribution / active EE | $1,646 | $3,080-46.5% | $3,782-56.5% | $2,552-35.5% |
| Participant deferral / active EE | $3,705 | $4,037-8.2% | $5,096-27.3% | $4,126-10.2% |
| Admin fee / account holder | $13,596 | $7,381+84.2% | $9,162+48.4% | $7,339+85.3% |