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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 | $145,162 | $85,171+70.4% | $172,752-16.0% | $72,975+98.9% |
| Participation rate | 63.5% | 70.1%-6.6pp | 82.6%-19.2pp | 69.5%-6.0pp |
| Annual return | 12.74% | 27.32%-14.6pp | 802.97%-790.2pp | 81.01%-68.3pp |
| Employer contribution / active EE | $1,204 | $3,324-63.8% | $5,144-76.6% | $2,440-50.7% |
| Participant deferral / active EE | $3,303 | $3,260+1.3% | $5,198-36.5% | $3,608-8.5% |
| Admin fee / account holder | $864 | $5,880-85.3% | $13,955-93.8% | $5,124-83.1% |