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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 | $94,294 | $110,801-14.9% | $86,615+8.9% | $167,536-43.7% |
| Participation rate | 63.2% | 75.8%-12.6pp | 71.6%-8.5pp | 82.1%-19.0pp |
| Annual return | 6.25% | 116.96%-110.7pp | 63.51%-57.3pp | 478.82%-472.6pp |
| Employer contribution / active EE | $0 | $3,245-100.0% | $2,496-100.0% | $4,839-100.0% |
| Participant deferral / active EE | $3,170 | $4,547-30.3% | $3,699-14.3% | $6,342-50.0% |
| Admin fee / account holder | $9,210 | $8,417+9.4% | $5,830+58.0% | $12,315-25.2% |