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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 | $108,169 | $58,234+85.7% | $81,783+32.3% | $80,874+33.7% |
| Participation rate | 34.2% | 63.4%-29.2pp | 72.4%-38.1pp | 67.6%-33.4pp |
| Annual return | 9.41% | 41.70%-32.3pp | 775.05%-765.6pp | 35.62%-26.2pp |
| Employer contribution / active EE | $1,521 | $2,341-35.1% | $2,913-47.8% | $2,756-44.8% |
| Participant deferral / active EE | $2,870 | $3,283-12.6% | $4,320-33.6% | $4,297-33.2% |
| Admin fee / account holder | $5,914 | $4,982+18.7% | $7,380-19.9% | $6,935-14.7% |