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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 | $120,254 | $154,228-22.0% | $145,433-17.3% | $137,256-12.4% |
| Participation rate | 52.4% | 83.8%-31.4pp | 82.1%-29.7pp | 80.0%-27.6pp |
| Annual return | 11.90% | 74.59%-62.7pp | 66.58%-54.7pp | 220.34%-208.4pp |
| Employer contribution / active EE | $1,058 | $4,804-78.0% | $4,554-76.8% | $4,156-74.5% |
| Participant deferral / active EE | $3,849 | $8,216-53.2% | $7,897-51.3% | $6,407-39.9% |
| Admin fee / account holder | $3,958 | $14,344-72.4% | $13,129-69.9% | $12,270-67.7% |