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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 | $104,456 | $85,206+22.6% | $172,745-39.5% | $72,986+43.1% |
| Participation rate | 56.0% | 70.1%-14.1pp | 82.6%-26.6pp | 69.5%-13.5pp |
| Annual return | 9.99% | 27.32%-17.3pp | 802.90%-792.9pp | 81.01%-71.0pp |
| Employer contribution / active EE | $3,281 | $3,325-1.3% | $5,144-36.2% | $2,440+34.5% |
| Participant deferral / active EE | $5,874 | $3,260+80.2% | $5,197+13.0% | $3,607+62.8% |
| Admin fee / account holder | $8,496 | $5,883+44.4% | $13,954-39.1% | $5,124+65.8% |