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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 | $142,811 | $105,200+35.8% | $159,474-10.4% | $85,847+66.4% |
| Participation rate | 51.9% | 75.8%-23.9pp | 82.8%-31.0pp | 69.3%-17.5pp |
| Annual return | 12.25% | 45.08%-32.8pp | 263.68%-251.4pp | 318.61%-306.4pp |
| Employer contribution / active EE | $1,465 | $3,319-55.9% | $4,831-69.7% | $2,565-42.9% |
| Participant deferral / active EE | $2,940 | $5,946-50.5% | $7,353-60.0% | $3,952-25.6% |
| Admin fee / account holder | $3,655 | $6,934-47.3% | $10,802-66.2% | $6,261-41.6% |