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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 | $106,590 | $98,776+7.9% | $149,745-28.8% | $79,856+33.5% |
| Participation rate | 41.0% | 75.8%-34.8pp | 82.5%-41.5pp | 69.6%-28.6pp |
| Annual return | 7.05% | 27.38%-20.3pp | 276.72%-269.7pp | 31.71%-24.7pp |
| Employer contribution / active EE | $2,396 | $3,217-25.5% | $4,646-48.4% | $2,471-3.0% |
| Participant deferral / active EE | $3,418 | $5,681-39.8% | $6,843-50.1% | $3,741-8.6% |
| Admin fee / account holder | $15,178 | $6,053+150.8% | $9,312+63.0% | $5,306+186.0% |