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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 | $56,615 | $102,429-44.7% | $147,096-61.5% | $80,925-30.0% |
| Participation rate | 63.2% | 75.9%-12.6pp | 82.2%-19.0pp | 67.7%-4.4pp |
| Annual return | 10.67% | 135.02%-124.4pp | 419.75%-409.1pp | 35.65%-25.0pp |
| Employer contribution / active EE | $2,515 | $3,716-32.3% | $4,936-49.0% | $2,756-8.7% |
| Participant deferral / active EE | $4,392 | $6,649-33.9% | $8,071-45.6% | $4,299+2.2% |
| Admin fee / account holder | $4,143 | $7,957-47.9% | $13,005-68.1% | $6,940-40.3% |