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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 | $88,603 | $102,422-13.5% | $147,117-39.8% | $80,959+9.4% |
| Participation rate | 51.9% | 75.9%-24.0pp | 82.2%-30.3pp | 67.7%-15.8pp |
| Annual return | 9.61% | 135.16%-125.5pp | 420.54%-410.9pp | 35.67%-26.1pp |
| Employer contribution / active EE | $2,869 | $3,717-22.8% | $4,932-41.8% | $2,757+4.1% |
| Participant deferral / active EE | $7,652 | $6,652+15.0% | $8,065-5.1% | $4,300+77.9% |
| Admin fee / account holder | $526 | $7,953-93.4% | $12,993-96.0% | $6,925-92.4% |