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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 | $92,299 | $110,410-16.4% | $102,437-9.9% | $145,897-36.7% |
| Participation rate | 36.4% | 77.9%-41.6pp | 74.5%-38.1pp | 80.3%-43.9pp |
| Annual return | 8.08% | 24.85%-16.8pp | 24.95%-16.9pp | 552.29%-544.2pp |
| Employer contribution / active EE | $1,110 | $4,217-73.7% | $3,871-71.3% | $4,663-76.2% |
| Participant deferral / active EE | $3,390 | $5,622-39.7% | $5,060-33.0% | $6,689-49.3% |
| Admin fee / account holder | $5,692 | $9,745-41.6% | $8,388-32.1% | $13,390-57.5% |