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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 | $102,118 | $75,935+34.5% | $60,547+68.7% | $125,388-18.6% |
| Participation rate | 45.5% | 76.5%-31.1pp | 68.0%-22.5pp | 83.2%-37.7pp |
| Annual return | -4.11% | -5.38%+1.3pp | 335.64%-339.8pp | 282.24%-286.3pp |
| Employer contribution / active EE | $1,367 | $3,438-60.2% | $2,419-43.5% | $4,866-71.9% |
| Participant deferral / active EE | $4,445 | $4,506-1.4% | $3,328+33.6% | $5,352-16.9% |
| Admin fee / account holder | $1,173 | $6,768-82.7% | $4,536-74.1% | $9,541-87.7% |