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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 | $81,962 | $102,422-20.0% | $147,117-44.3% | $80,959+1.2% |
| Participation rate | 64.9% | 75.9%-11.0pp | 82.2%-17.3pp | 67.7%-2.8pp |
| Annual return | 11.20% | 135.16%-124.0pp | 420.54%-409.3pp | 35.67%-24.5pp |
| Employer contribution / active EE | $1,785 | $3,717-52.0% | $4,932-63.8% | $2,757-35.3% |
| Participant deferral / active EE | $4,963 | $6,652-25.4% | $8,065-38.5% | $4,300+15.4% |
| Admin fee / account holder | $1,144 | $7,953-85.6% | $12,993-91.2% | $6,925-83.5% |