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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 | $123,696 | $110,410+12.0% | $102,437+20.8% | $145,897-15.2% |
| Participation rate | 53.3% | 77.9%-24.6pp | 74.5%-21.2pp | 80.3%-27.0pp |
| Annual return | 7.66% | 24.85%-17.2pp | 24.95%-17.3pp | 552.29%-544.6pp |
| Employer contribution / active EE | $1,320 | $4,217-68.7% | $3,871-65.9% | $4,663-71.7% |
| Participant deferral / active EE | $1,959 | $5,622-65.1% | $5,060-61.3% | $6,689-70.7% |
| Admin fee / account holder | $3,879 | $9,745-60.2% | $8,388-53.8% | $13,390-71.0% |