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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 | $105,671 | $102,422+3.2% | $147,117-28.2% | $80,959+30.5% |
| Participation rate | 39.5% | 75.9%-36.3pp | 82.2%-42.6pp | 67.7%-28.1pp |
| Annual return | 2.95% | 135.16%-132.2pp | 420.54%-417.6pp | 35.67%-32.7pp |
| Employer contribution / active EE | $1,465 | $3,717-60.6% | $4,932-70.3% | $2,757-46.9% |
| Participant deferral / active EE | $4,691 | $6,652-29.5% | $8,065-41.8% | $4,300+9.1% |
| Admin fee / account holder | $13,715 | $7,953+72.4% | $12,993+5.6% | $6,925+98.0% |