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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 | $146,320 | $102,385+42.9% | $147,080-0.5% | $80,935+80.8% |
| Participation rate | 46.7% | 75.9%-29.2pp | 82.2%-35.5pp | 67.7%-21.0pp |
| Annual return | 9.82% | 135.09%-125.3pp | 420.17%-410.4pp | 35.66%-25.8pp |
| Employer contribution / active EE | $1,349 | $3,717-63.7% | $4,933-72.7% | $2,757-51.1% |
| Participant deferral / active EE | $2,865 | $6,651-56.9% | $8,066-64.5% | $4,299-33.4% |
| Admin fee / account holder | $3,800 | $7,951-52.2% | $12,989-70.7% | $6,924-45.1% |