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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 | $128,760 | $102,385+25.8% | $147,080-12.5% | $80,935+59.1% |
| Participation rate | 63.6% | 75.9%-12.2pp | 82.2%-18.5pp | 67.7%-4.0pp |
| Annual return | 11.10% | 135.09%-124.0pp | 420.17%-409.1pp | 35.66%-24.6pp |
| Employer contribution / active EE | $2,356 | $3,717-36.6% | $4,933-52.3% | $2,757-14.6% |
| Participant deferral / active EE | $6,144 | $6,651-7.6% | $8,066-23.8% | $4,299+42.9% |
| Admin fee / account holder | $3,547 | $7,951-55.4% | $12,989-72.7% | $6,924-48.8% |