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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 | $91,797 | $65,555+40.0% | $86,216+6.5% | $75,173+22.1% |
| Participation rate | 69.2% | 60.5%+8.7pp | 69.0%+0.3pp | 67.2%+2.0pp |
| Annual return | 8.95% | 46.07%-37.1pp | 1169.42%-1160.5pp | 160.72%-151.8pp |
| Employer contribution / active EE | $718 | $1,553-53.8% | $2,382-69.8% | $2,671-73.1% |
| Participant deferral / active EE | $6,044 | $3,023+99.9% | $3,986+51.6% | $4,126+46.5% |
| Admin fee / account holder | $10,351 | $5,469+89.3% | $6,853+51.0% | $5,651+83.2% |