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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 | $80,257 | $148,623-46.0% | $135,974-41.0% | $139,466-42.5% |
| Participation rate | 30.0% | 83.9%-53.9pp | 81.9%-51.9pp | 80.3%-50.3pp |
| Annual return | 9.78% | 79.30%-69.5pp | 68.30%-58.5pp | 373.66%-363.9pp |
| Employer contribution / active EE | $1,557 | $5,246-70.3% | $4,859-68.0% | $4,754-67.3% |
| Participant deferral / active EE | $3,826 | $8,103-52.8% | $7,760-50.7% | $6,712-43.0% |
| Admin fee / account holder | $2,690 | $12,406-78.3% | $10,767-75.0% | $11,409-76.4% |