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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 | $79,296 | $110,410-28.2% | $102,437-22.6% | $145,897-45.6% |
| Participation rate | 42.9% | 77.9%-35.1pp | 74.5%-31.7pp | 80.3%-37.4pp |
| Annual return | 8.46% | 24.85%-16.4pp | 24.95%-16.5pp | 552.29%-543.8pp |
| Employer contribution / active EE | $1,186 | $4,217-71.9% | $3,871-69.3% | $4,663-74.6% |
| Participant deferral / active EE | $7,980 | $5,622+41.9% | $5,060+57.7% | $6,689+19.3% |
| Admin fee / account holder | $10,050 | $9,745+3.1% | $8,388+19.8% | $13,390-24.9% |