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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 | $118,142 | $102,422+15.3% | $147,117-19.7% | $80,959+45.9% |
| Participation rate | 42.1% | 75.9%-33.8pp | 82.2%-40.1pp | 67.7%-25.6pp |
| Annual return | 10.78% | 135.16%-124.4pp | 420.54%-409.8pp | 35.67%-24.9pp |
| Employer contribution / active EE | $890 | $3,717-76.1% | $4,932-82.0% | $2,757-67.7% |
| Participant deferral / active EE | $2,858 | $6,652-57.0% | $8,065-64.6% | $4,300-33.5% |
| Admin fee / account holder | $7,170 | $7,953-9.8% | $12,993-44.8% | $6,925+3.5% |