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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 | $154,389 | $60,119+156.8% | $90,430+70.7% | $79,858+93.3% |
| Participation rate | 33.3% | 65.0%-31.6pp | 72.7%-39.4pp | 69.6%-36.3pp |
| Annual return | 9.84% | 71.94%-62.1pp | 1293.73%-1283.9pp | 31.72%-21.9pp |
| Employer contribution / active EE | $975 | $2,068-52.8% | $3,262-70.1% | $2,471-60.5% |
| Participant deferral / active EE | $2,136 | $2,938-27.3% | $3,963-46.1% | $3,740-42.9% |
| Admin fee / account holder | $6,051 | $3,976+52.2% | $5,613+7.8% | $5,306+14.0% |