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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 | $93,751 | $93,589+0.2% | $135,942-31.0% | $75,181+24.7% |
| Participation rate | 67.4% | 75.2%-7.7pp | 81.9%-14.5pp | 67.2%+0.2pp |
| Annual return | 14.29% | 30.90%-16.6pp | 68.28%-54.0pp | 160.69%-146.4pp |
| Employer contribution / active EE | $2,909 | $3,537-17.8% | $4,858-40.1% | $2,671+8.9% |
| Participant deferral / active EE | $8,187 | $6,405+27.8% | $7,759+5.5% | $4,126+98.4% |
| Admin fee / account holder | $2,889 | $6,977-58.6% | $10,764-73.2% | $5,650-48.9% |