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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 | $90,463 | $172,111-47.4% | $150,298-39.8% | $137,256-34.1% |
| Participation rate | 40.9% | 81.7%-40.8pp | 77.8%-36.9pp | 80.0%-39.1pp |
| Annual return | 10.79% | 69.37%-58.6pp | 62.79%-52.0pp | 220.34%-209.5pp |
| Employer contribution / active EE | $1,095 | $4,636-76.4% | $4,154-73.6% | $4,156-73.6% |
| Participant deferral / active EE | $2,959 | $6,166-52.0% | $5,453-45.7% | $6,407-53.8% |
| Admin fee / account holder | $3,248 | $16,471-80.3% | $14,116-77.0% | $12,270-73.5% |