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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 | $72,697 | $102,429-29.0% | $147,096-50.6% | $80,925-10.2% |
| Participation rate | 60.0% | 75.9%-15.9pp | 82.2%-22.2pp | 67.7%-7.7pp |
| Annual return | 11.75% | 135.02%-123.3pp | 419.75%-408.0pp | 35.65%-23.9pp |
| Employer contribution / active EE | $3,432 | $3,716-7.6% | $4,936-30.5% | $2,756+24.5% |
| Participant deferral / active EE | $5,888 | $6,649-11.4% | $8,071-27.1% | $4,299+37.0% |
| Admin fee / account holder | $742 | $7,957-90.7% | $13,005-94.3% | $6,940-89.3% |