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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 | $92,325 | $102,422-9.9% | $147,117-37.2% | $80,959+14.0% |
| Participation rate | 54.8% | 75.9%-21.0pp | 82.2%-27.3pp | 67.7%-12.8pp |
| Annual return | 10.85% | 135.16%-124.3pp | 420.54%-409.7pp | 35.67%-24.8pp |
| Employer contribution / active EE | $1,338 | $3,717-64.0% | $4,932-72.9% | $2,757-51.5% |
| Participant deferral / active EE | $6,164 | $6,652-7.3% | $8,065-23.6% | $4,300+43.3% |
| Admin fee / account holder | $2,865 | $7,953-64.0% | $12,993-78.0% | $6,925-58.6% |