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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 | $90,638 | $77,901+16.4% | $149,717-39.5% | $75,181+20.6% |
| Participation rate | 40.7% | 65.6%-24.8pp | 78.8%-38.0pp | 67.2%-26.5pp |
| Annual return | 10.21% | 31.73%-21.5pp | 134.41%-124.2pp | 160.69%-150.5pp |
| Employer contribution / active EE | $1,151 | $3,137-63.3% | $4,820-76.1% | $2,671-56.9% |
| Participant deferral / active EE | $3,724 | $3,411+9.2% | $5,682-34.5% | $4,126-9.7% |
| Admin fee / account holder | $77,824 | $5,949+1208.2% | $13,213+489.0% | $5,650+1277.4% |