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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 | $75,479 | $102,422-26.3% | $147,117-48.7% | $80,959-6.8% |
| Participation rate | 61.3% | 75.9%-14.6pp | 82.2%-20.9pp | 67.7%-6.4pp |
| Annual return | 8.42% | 135.16%-126.7pp | 420.54%-412.1pp | 35.67%-27.3pp |
| Employer contribution / active EE | $2,348 | $3,717-36.8% | $4,932-52.4% | $2,757-14.8% |
| Participant deferral / active EE | $6,306 | $6,652-5.2% | $8,065-21.8% | $4,300+46.6% |
| Admin fee / account holder | $43,875 | $7,953+451.6% | $12,993+237.7% | $6,925+533.5% |