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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 | $84,658 | $77,157+9.7% | $108,405-21.9% | $85,847-1.4% |
| Participation rate | 58.1% | 74.7%-16.6pp | 80.1%-22.1pp | 69.3%-11.3pp |
| Annual return | 12.54% | 44.55%-32.0pp | 905.55%-893.0pp | 318.61%-306.1pp |
| Employer contribution / active EE | $1,741 | $2,379-26.8% | $3,559-51.1% | $2,565-32.1% |
| Participant deferral / active EE | $4,215 | $5,567-24.3% | $6,563-35.8% | $3,952+6.6% |
| Admin fee / account holder | $4,698 | $5,174-9.2% | $7,297-35.6% | $6,261-25.0% |