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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 | $125,902 | $93,345+34.9% | $119,126+5.7% | $87,485+43.9% |
| Participation rate | 45.7% | 68.7%-23.0pp | 75.8%-30.0pp | 68.9%-23.2pp |
| Annual return | 11.71% | 19.08%-7.4pp | 282.11%-270.4pp | 26.06%-14.4pp |
| Employer contribution / active EE | $1,976 | $3,172-37.7% | $4,034-51.0% | $2,596-23.9% |
| Participant deferral / active EE | $2,219 | $4,099-45.9% | $5,318-58.3% | $4,274-48.1% |
| Admin fee / account holder | $1,550 | $8,039-80.7% | $10,693-85.5% | $7,775-80.1% |