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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 | $87,958 | $63,354+38.8% | $94,105-6.5% | $82,637+6.4% |
| Participation rate | 26.3% | 63.8%-37.6pp | 71.9%-45.7pp | 68.1%-41.8pp |
| Annual return | 11.04% | 34.36%-23.3pp | 204.55%-193.5pp | 53.51%-42.5pp |
| Employer contribution / active EE | $363 | $1,760-79.4% | $2,504-85.5% | $2,552-85.8% |
| Participant deferral / active EE | $1,140 | $2,873-60.3% | $3,881-70.6% | $4,126-72.4% |
| Admin fee / account holder | $11,801 | $5,073+132.6% | $6,199+90.4% | $7,339+60.8% |