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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 | $90,400 | $97,125-6.9% | $86,233+4.8% | $137,256-34.1% |
| Participation rate | 47.1% | 74.2%-27.1pp | 69.0%-22.0pp | 80.0%-32.9pp |
| Annual return | 10.34% | 74.19%-63.8pp | 61.39%-51.0pp | 220.34%-210.0pp |
| Employer contribution / active EE | $1,145 | $2,841-59.7% | $2,504-54.3% | $4,156-72.4% |
| Participant deferral / active EE | $2,615 | $5,180-49.5% | $4,559-42.6% | $6,407-59.2% |
| Admin fee / account holder | $2,702 | $9,725-72.2% | $8,342-67.6% | $12,270-78.0% |