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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 | $104,962 | $65,575+60.1% | $86,209+21.8% | $75,181+39.6% |
| Participation rate | 35.7% | 60.5%-24.8pp | 69.0%-33.2pp | 67.2%-31.5pp |
| Annual return | 10.29% | 46.07%-35.8pp | 1169.05%-1158.8pp | 160.69%-150.4pp |
| Employer contribution / active EE | $408 | $1,553-73.7% | $2,381-82.9% | $2,671-84.7% |
| Participant deferral / active EE | $1,509 | $3,023-50.1% | $3,986-62.2% | $4,126-63.4% |
| Admin fee / account holder | $5,720 | $5,470+4.6% | $6,853-16.5% | $5,650+1.2% |