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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 | $94,965 | $106,524-10.9% | $152,301-37.6% | $87,485+8.6% |
| Participation rate | 57.9% | 75.8%-17.9pp | 82.4%-24.6pp | 68.9%-11.0pp |
| Annual return | 13.89% | 26.89%-13.0pp | 80.50%-66.6pp | 26.06%-12.2pp |
| Employer contribution / active EE | $2,977 | $3,371-11.7% | $4,624-35.6% | $2,596+14.7% |
| Participant deferral / active EE | $4,877 | $6,525-25.3% | $8,004-39.1% | $4,274+14.1% |
| Admin fee / account holder | $1,429 | $8,287-82.8% | $14,398-90.1% | $7,775-81.6% |