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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 | $76,338 | $102,422-25.5% | $147,117-48.1% | $80,959-5.7% |
| Participation rate | 60.0% | 75.9%-15.9pp | 82.2%-22.2pp | 67.7%-7.7pp |
| Annual return | 11.48% | 135.16%-123.7pp | 420.54%-409.1pp | 35.67%-24.2pp |
| Employer contribution / active EE | $2,119 | $3,717-43.0% | $4,932-57.0% | $2,757-23.1% |
| Participant deferral / active EE | $4,500 | $6,652-32.4% | $8,065-44.2% | $4,300+4.6% |
| Admin fee / account holder | $1,069 | $7,953-86.6% | $12,993-91.8% | $6,925-84.6% |