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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 | $78,956 | $72,071+9.6% | $68,368+15.5% | $137,256-42.5% |
| Participation rate | 36.4% | 76.2%-39.9pp | 73.8%-37.4pp | 80.0%-43.6pp |
| Annual return | 10.45% | 353.14%-342.7pp | 292.57%-282.1pp | 220.34%-209.9pp |
| Employer contribution / active EE | $1,954 | $2,788-29.9% | $2,649-26.3% | $4,156-53.0% |
| Participant deferral / active EE | $4,387 | $4,410-0.5% | $4,123+6.4% | $6,407-31.5% |
| Admin fee / account holder | $684 | $5,336-87.2% | $5,150-86.7% | $12,270-94.4% |