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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 | $83,009 | $29,733+179.2% | $56,025+48.2% | $80,959+2.5% |
| Participation rate | 45.0% | 41.7%+3.3pp | 52.5%-7.5pp | 67.7%-22.7pp |
| Annual return | 9.18% | 35.28%-26.1pp | 1712.69%-1703.5pp | 35.67%-26.5pp |
| Employer contribution / active EE | $1,145 | $672+70.4% | $1,042+9.9% | $2,757-58.5% |
| Participant deferral / active EE | $2,429 | $1,229+97.5% | $1,955+24.3% | $4,300-43.5% |
| Admin fee / account holder | $6,762 | $2,434+177.8% | $2,828+139.1% | $6,925-2.4% |