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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 | $200,538 | $101,618+97.3% | $93,063+115.5% | $137,256+46.1% |
| Participation rate | 42.1% | 74.9%-32.8pp | 72.1%-30.0pp | 80.0%-37.9pp |
| Annual return | 8.29% | 223.95%-215.7pp | 34.15%-25.9pp | 220.34%-212.1pp |
| Employer contribution / active EE | $1,571 | $2,707-42.0% | $2,476-36.6% | $4,156-62.2% |
| Participant deferral / active EE | $3,441 | $4,279-19.6% | $3,958-13.1% | $6,407-46.3% |
| Admin fee / account holder | $2,685 | $6,198-56.7% | $6,033-55.5% | $12,270-78.1% |