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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 | $90,195 | $65,566+37.6% | $86,235+4.6% | $75,177+20.0% |
| Participation rate | 50.0% | 60.5%-10.5pp | 69.0%-19.0pp | 67.2%-17.2pp |
| Annual return | 10.86% | 46.07%-35.2pp | 1170.03%-1159.2pp | 160.75%-149.9pp |
| Employer contribution / active EE | $835 | $1,553-46.2% | $2,381-64.9% | $2,671-68.7% |
| Participant deferral / active EE | $2,447 | $3,023-19.1% | $3,987-38.6% | $4,126-40.7% |
| Admin fee / account holder | $5,280 | $5,470-3.5% | $6,856-23.0% | $5,651-6.6% |