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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 | $119,467 | $101,950+17.2% | $125,529-4.8% | $86,983+37.3% |
| Participation rate | 50.9% | 70.2%-19.3pp | 74.7%-23.8pp | 69.5%-18.6pp |
| Annual return | 4.71% | 18.29%-13.6pp | 202.56%-197.9pp | 25.83%-21.1pp |
| Employer contribution / active EE | $1,769 | $2,358-25.0% | $3,058-42.1% | $2,584-31.5% |
| Participant deferral / active EE | $4,220 | $3,862+9.3% | $4,813-12.3% | $4,194+0.6% |
| Admin fee / account holder | $12,644 | $12,791-1.1% | $16,298-22.4% | $7,856+61.0% |