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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 | $90,493 | $156,398-42.1% | $147,318-38.6% | $138,895-34.8% |
| Participation rate | 37.5% | 83.8%-46.3pp | 82.1%-44.6pp | 79.9%-42.4pp |
| Annual return | 11.45% | 78.75%-67.3pp | 70.43%-59.0pp | 145.39%-133.9pp |
| Employer contribution / active EE | $3,263 | $4,853-32.8% | $4,593-28.9% | $4,194-22.2% |
| Participant deferral / active EE | $7,893 | $8,237-4.2% | $7,906-0.2% | $6,396+23.4% |
| Admin fee / account holder | $12,483 | $14,976-16.6% | $13,708-8.9% | $12,562-0.6% |