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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 | $102,729 | $160,040-35.8% | $147,096-30.2% | $145,877-29.6% |
| Participation rate | 54.5% | 84.0%-29.5pp | 82.2%-27.6pp | 80.3%-25.8pp |
| Annual return | 8.75% | 98.49%-89.7pp | 419.75%-411.0pp | 551.28%-542.5pp |
| Employer contribution / active EE | $1,342 | $5,289-74.6% | $4,936-72.8% | $4,663-71.2% |
| Participant deferral / active EE | $12,254 | $8,429+45.4% | $8,071+51.8% | $6,691+83.2% |
| Admin fee / account holder | $18,571 | $15,050+23.4% | $13,005+42.8% | $13,402+38.6% |