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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 | $104,514 | $58,311+79.2% | $81,882+27.6% | $80,959+29.1% |
| Participation rate | 50.0% | 63.5%-13.5pp | 72.4%-22.4pp | 67.7%-17.7pp |
| Annual return | 10.71% | 41.85%-31.1pp | 779.47%-768.8pp | 35.67%-25.0pp |
| Employer contribution / active EE | $888 | $2,347-62.1% | $2,916-69.5% | $2,757-67.8% |
| Participant deferral / active EE | $3,174 | $3,287-3.4% | $4,323-26.6% | $4,300-26.2% |
| Admin fee / account holder | $6,614 | $4,752+39.2% | $7,360-10.1% | $6,925-4.5% |