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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 | $137,595 | $124,314+10.7% | $109,163+26.0% | $167,518-17.9% |
| Participation rate | 62.5% | 79.4%-16.9pp | 75.9%-13.4pp | 82.1%-19.6pp |
| Annual return | 8.53% | 26.04%-17.5pp | 25.75%-17.2pp | 478.71%-470.2pp |
| Employer contribution / active EE | $1,018 | $4,209-75.8% | $3,723-72.6% | $4,838-79.0% |
| Participant deferral / active EE | $2,528 | $5,256-51.9% | $4,654-45.7% | $6,342-60.1% |
| Admin fee / account holder | $37,945 | $7,973+375.9% | $6,754+461.8% | $12,312+208.2% |