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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 | $89,223 | $58,241+53.2% | $81,780+9.1% | $80,911+10.3% |
| Participation rate | 29.5% | 63.4%-33.9pp | 72.4%-42.9pp | 67.6%-38.1pp |
| Annual return | 9.71% | 41.73%-32.0pp | 776.27%-766.6pp | 35.63%-25.9pp |
| Employer contribution / active EE | $0 | $2,343-100.0% | $2,914-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $3,648 | $3,283+11.1% | $4,321-15.6% | $4,297-15.1% |
| Admin fee / account holder | $1,489 | $4,973-70.1% | $7,384-79.8% | $6,935-78.5% |