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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 | $80,966 | $49,897+62.3% | $80,648+0.4% | $75,177+7.7% |
| Participation rate | 31.4% | 55.3%-24.0pp | 67.0%-35.6pp | 67.2%-35.8pp |
| Annual return | 12.98% | 34.68%-21.7pp | 937.21%-924.2pp | 160.75%-147.8pp |
| Employer contribution / active EE | $1,127 | $1,699-33.7% | $2,724-58.6% | $2,671-57.8% |
| Participant deferral / active EE | $2,052 | $2,992-31.4% | $4,443-53.8% | $4,126-50.3% |
| Admin fee / account holder | $644 | $3,579-82.0% | $5,382-88.0% | $5,651-88.6% |