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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 | $55,258 | $102,422-46.0% | $147,117-62.4% | $80,959-31.7% |
| Participation rate | 68.3% | 75.9%-7.6pp | 82.2%-13.9pp | 67.7%+0.6pp |
| Annual return | 8.16% | 135.16%-127.0pp | 420.54%-412.4pp | 35.67%-27.5pp |
| Employer contribution / active EE | $2,320 | $3,717-37.6% | $4,932-53.0% | $2,757-15.8% |
| Participant deferral / active EE | $5,165 | $6,652-22.4% | $8,065-36.0% | $4,300+20.1% |
| Admin fee / account holder | $682 | $7,953-91.4% | $12,993-94.8% | $6,925-90.2% |