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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 | $118,661 | $85,766+38.4% | $136,298-12.9% | $70,126+69.2% |
| Participation rate | 39.0% | 74.2%-35.1pp | 81.9%-42.9pp | 69.5%-30.5pp |
| Annual return | 12.86% | 31.46%-18.6pp | 5156.27%-5143.4pp | 73.15%-60.3pp |
| Employer contribution / active EE | $781 | $2,966-73.7% | $4,696-83.4% | $2,343-66.6% |
| Participant deferral / active EE | $4,945 | $5,051-2.1% | $6,247-20.8% | $3,332+48.4% |
| Admin fee / account holder | $4,292 | $5,421-20.8% | $9,244-53.6% | $4,645-7.6% |