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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 | $157,018 | $124,314+26.3% | $109,163+43.8% | $167,518-6.3% |
| Participation rate | 53.8% | 79.4%-25.6pp | 75.9%-22.0pp | 82.1%-28.3pp |
| Annual return | 9.22% | 26.04%-16.8pp | 25.75%-16.5pp | 478.71%-469.5pp |
| Employer contribution / active EE | $1,989 | $4,209-52.7% | $3,723-46.6% | $4,838-58.9% |
| Participant deferral / active EE | $3,707 | $5,256-29.5% | $4,654-20.3% | $6,342-41.5% |
| Admin fee / account holder | $1,858 | $7,973-76.7% | $6,754-72.5% | $12,312-84.9% |