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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 | $70,170 | $88,672-20.9% | $105,223-33.3% | $82,448-14.9% |
| Participation rate | 68.8% | 67.9%+0.9pp | 75.0%-6.2pp | 68.1%+0.8pp |
| Annual return | 9.54% | 30.86%-21.3pp | 180.65%-171.1pp | 41.64%-32.1pp |
| Employer contribution / active EE | $1,194 | $3,048-60.8% | $3,689-67.6% | $2,551-53.2% |
| Participant deferral / active EE | $4,009 | $4,036-0.7% | $5,072-21.0% | $4,139-3.2% |
| Admin fee / account holder | $19,471 | $7,146+172.5% | $8,859+119.8% | $7,234+169.1% |