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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 | $95,661 | $102,429-6.6% | $147,096-35.0% | $80,925+18.2% |
| Participation rate | 55.6% | 75.9%-20.3pp | 82.2%-26.6pp | 67.7%-12.1pp |
| Annual return | 9.45% | 135.02%-125.6pp | 419.75%-410.3pp | 35.65%-26.2pp |
| Employer contribution / active EE | $5,581 | $3,716+50.2% | $4,936+13.1% | $2,756+102.5% |
| Participant deferral / active EE | $3,979 | $6,649-40.2% | $8,071-50.7% | $4,299-7.4% |
| Admin fee / account holder | $2,464 | $7,957-69.0% | $13,005-81.1% | $6,940-64.5% |