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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 | $86,152 | $49,164+75.2% | $121,169-28.9% | $75,181+14.6% |
| Participation rate | 31.0% | 55.4%-24.4pp | 69.5%-38.5pp | 67.2%-36.2pp |
| Annual return | 11.78% | 56.03%-44.2pp | 986.71%-974.9pp | 160.69%-148.9pp |
| Employer contribution / active EE | $1,714 | $1,546+10.8% | $4,168-58.9% | $2,671-35.8% |
| Participant deferral / active EE | $2,976 | $2,628+13.2% | $4,083-27.1% | $4,126-27.9% |
| Admin fee / account holder | $2,238 | $3,942-43.2% | $5,645-60.4% | $5,650-60.4% |