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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 | $143,001 | $154,159-7.2% | $130,026+10.0% | $139,456+2.5% |
| Participation rate | 28.6% | 82.0%-53.4pp | 78.5%-49.9pp | 80.3%-51.8pp |
| Annual return | 6.38% | 32.50%-26.1pp | -137.26%+143.6pp | 373.45%-367.1pp |
| Employer contribution / active EE | $1,144 | $5,292-78.4% | $4,321-73.5% | $4,753-75.9% |
| Participant deferral / active EE | $6,190 | $6,710-7.7% | $5,821+6.3% | $6,711-7.8% |
| Admin fee / account holder | $7,062 | $14,001-49.6% | $10,608-33.4% | $11,407-38.1% |