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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 | $154,163 | $102,429+50.5% | $147,096+4.8% | $80,925+90.5% |
| Participation rate | 60.0% | 75.9%-15.9pp | 82.2%-22.2pp | 67.7%-7.7pp |
| Annual return | 11.30% | 135.02%-123.7pp | 419.75%-408.5pp | 35.65%-24.4pp |
| Employer contribution / active EE | $1,073 | $3,716-71.1% | $4,936-78.3% | $2,756-61.1% |
| Participant deferral / active EE | $4,914 | $6,649-26.1% | $8,071-39.1% | $4,299+14.3% |
| Admin fee / account holder | $925 | $7,957-88.4% | $13,005-92.9% | $6,940-86.7% |