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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 | $102,429-25.5% | $147,096-48.1% | $80,925-5.7% |
| Participation rate | 60.0% | 75.9%-15.9pp | 82.2%-22.2pp | 67.7%-7.7pp |
| Annual return | 11.48% | 135.02%-123.5pp | 419.75%-408.3pp | 35.65%-24.2pp |
| Employer contribution / active EE | $2,119 | $3,716-43.0% | $4,936-57.1% | $2,756-23.1% |
| Participant deferral / active EE | $4,500 | $6,649-32.3% | $8,071-44.2% | $4,299+4.7% |
| Admin fee / account holder | $1,069 | $7,957-86.6% | $13,005-91.8% | $6,940-84.6% |