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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 | $57,670 | $77,164-25.3% | $178,014-67.6% | $80,874-28.7% |
| Participation rate | 67.4% | 65.7%+1.7pp | 77.1%-9.7pp | 67.6%-0.3pp |
| Annual return | 8.76% | 18.09%-9.3pp | 294.80%-286.0pp | 35.62%-26.9pp |
| Employer contribution / active EE | $1,045 | $2,288-54.3% | $3,950-73.5% | $2,756-62.1% |
| Participant deferral / active EE | $1,776 | $4,408-59.7% | $6,276-71.7% | $4,297-58.7% |
| Admin fee / account holder | $22,449 | $7,164+213.4% | $10,362+116.7% | $6,935+223.7% |