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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 | $95,232 | $102,422-7.0% | $147,117-35.3% | $80,959+17.6% |
| Participation rate | 68.8% | 75.9%-7.1pp | 82.2%-13.4pp | 67.7%+1.1pp |
| Annual return | 9.71% | 135.16%-125.4pp | 420.54%-410.8pp | 35.67%-26.0pp |
| Employer contribution / active EE | $2,629 | $3,717-29.3% | $4,932-46.7% | $2,757-4.6% |
| Participant deferral / active EE | $6,178 | $6,652-7.1% | $8,065-23.4% | $4,300+43.7% |
| Admin fee / account holder | $5,800 | $7,953-27.1% | $12,993-55.4% | $6,925-16.2% |