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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 | $94,785 | $85,171+11.3% | $172,752-45.1% | $72,975+29.9% |
| Participation rate | 61.8% | 70.1%-8.3pp | 82.6%-20.9pp | 69.5%-7.7pp |
| Annual return | 13.74% | 27.32%-13.6pp | 802.97%-789.2pp | 81.01%-67.3pp |
| Employer contribution / active EE | $3,052 | $3,324-8.2% | $5,144-40.7% | $2,440+25.1% |
| Participant deferral / active EE | $2,340 | $3,260-28.2% | $5,198-55.0% | $3,608-35.1% |
| Admin fee / account holder | $1,028 | $5,880-82.5% | $13,955-92.6% | $5,124-79.9% |