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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 | $97,040 | $81,358+19.3% | $155,556-37.6% | $80,959+19.9% |
| Participation rate | 46.7% | 66.3%-19.6pp | 78.2%-31.6pp | 67.7%-21.0pp |
| Annual return | 7.77% | 33.39%-25.6pp | 64.84%-57.1pp | 35.67%-27.9pp |
| Employer contribution / active EE | $2,558 | $3,106-17.6% | $4,675-45.3% | $2,757-7.2% |
| Participant deferral / active EE | $5,111 | $3,455+47.9% | $5,631-9.2% | $4,300+18.9% |
| Admin fee / account holder | $65,049 | $7,994+713.8% | $15,885+309.5% | $6,925+839.3% |