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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 | $125,986 | $29,736+323.7% | $56,033+124.8% | $80,935+55.7% |
| Participation rate | 28.0% | 41.7%-13.7pp | 52.5%-24.5pp | 67.7%-39.7pp |
| Annual return | 9.14% | 35.28%-26.1pp | 1711.38%-1702.2pp | 35.66%-26.5pp |
| Employer contribution / active EE | $637 | $671-5.1% | $1,041-38.8% | $2,757-76.9% |
| Participant deferral / active EE | $2,960 | $1,228+141.0% | $1,954+51.5% | $4,299-31.2% |
| Admin fee / account holder | $4,058 | $2,434+66.8% | $2,827+43.6% | $6,924-41.4% |