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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 | $87,579 | $102,422-14.5% | $147,117-40.5% | $80,959+8.2% |
| Participation rate | 60.0% | 75.9%-15.9pp | 82.2%-22.2pp | 67.7%-7.7pp |
| Annual return | 9.90% | 135.16%-125.3pp | 420.54%-410.6pp | 35.67%-25.8pp |
| Employer contribution / active EE | $3,419 | $3,717-8.0% | $4,932-30.7% | $2,757+24.0% |
| Participant deferral / active EE | $5,628 | $6,652-15.4% | $8,065-30.2% | $4,300+30.9% |
| Admin fee / account holder | $12,204 | $7,953+53.4% | $12,993-6.1% | $6,925+76.2% |