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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 | $126,224 | $102,385+23.3% | $147,080-14.2% | $80,935+56.0% |
| Participation rate | 62.3% | 75.9%-13.6pp | 82.2%-19.9pp | 67.7%-5.4pp |
| Annual return | 11.82% | 135.09%-123.3pp | 420.17%-408.3pp | 35.66%-23.8pp |
| Employer contribution / active EE | $1,836 | $3,717-50.6% | $4,933-62.8% | $2,757-33.4% |
| Participant deferral / active EE | $4,386 | $6,651-34.0% | $8,066-45.6% | $4,299+2.0% |
| Admin fee / account holder | $2,969 | $7,951-62.7% | $12,989-77.1% | $6,924-57.1% |