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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 | $77,125 | $132,634-41.9% | $115,768-33.4% | $137,256-43.8% |
| Participation rate | 50.0% | 77.9%-27.9pp | 74.4%-24.4pp | 80.0%-30.0pp |
| Annual return | 7.34% | 160.70%-153.4pp | 100.46%-93.1pp | 220.34%-213.0pp |
| Employer contribution / active EE | $1,854 | $3,360-44.8% | $2,940-36.9% | $4,156-55.4% |
| Participant deferral / active EE | $3,024 | $5,619-46.2% | $4,917-38.5% | $6,407-52.8% |
| Admin fee / account holder | $28,720 | $15,028+91.1% | $12,439+130.9% | $12,270+134.1% |