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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 | $86,952 | $76,407+13.8% | $150,298-42.1% | $82,448+5.5% |
| Participation rate | 51.7% | 66.4%-14.7pp | 77.8%-26.0pp | 68.1%-16.3pp |
| Annual return | 9.83% | 39.99%-30.2pp | 62.79%-53.0pp | 41.64%-31.8pp |
| Employer contribution / active EE | $1,091 | $2,614-58.2% | $4,154-73.7% | $2,551-57.2% |
| Participant deferral / active EE | $2,380 | $3,214-26.0% | $5,453-56.4% | $4,139-42.5% |
| Admin fee / account holder | $59,405 | $6,352+835.2% | $14,116+320.8% | $7,234+721.2% |