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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 | $92,304 | $72,071+28.1% | $68,368+35.0% | $137,256-32.8% |
| Participation rate | 33.3% | 76.2%-42.9pp | 73.8%-40.4pp | 80.0%-46.6pp |
| Annual return | 12.86% | 353.14%-340.3pp | 292.57%-279.7pp | 220.34%-207.5pp |
| Employer contribution / active EE | $858 | $2,788-69.2% | $2,649-67.6% | $4,156-79.3% |
| Participant deferral / active EE | $1,717 | $4,410-61.1% | $4,123-58.4% | $6,407-73.2% |
| Admin fee / account holder | $3,317 | $5,336-37.8% | $5,150-35.6% | $12,270-73.0% |