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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 | $77,386 | $58,241+32.9% | $81,780-5.4% | $80,911-4.4% |
| Participation rate | 39.6% | 63.4%-23.8pp | 72.4%-32.7pp | 67.6%-28.0pp |
| Annual return | 6.96% | 41.73%-34.8pp | 776.27%-769.3pp | 35.63%-28.7pp |
| Employer contribution / active EE | $1,148 | $2,343-51.0% | $2,914-60.6% | $2,756-58.3% |
| Participant deferral / active EE | $3,842 | $3,283+17.0% | $4,321-11.1% | $4,297-10.6% |
| Admin fee / account holder | $5,932 | $4,973+19.3% | $7,384-19.7% | $6,935-14.5% |