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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 | $103,573 | $148,582-30.3% | $135,942-23.8% | $139,456-25.7% |
| Participation rate | 46.7% | 83.9%-37.2pp | 81.9%-35.2pp | 80.3%-33.7pp |
| Annual return | 12.04% | 79.26%-67.2pp | 68.28%-56.2pp | 373.45%-361.4pp |
| Employer contribution / active EE | $2,464 | $5,245-53.0% | $4,858-49.3% | $4,753-48.2% |
| Participant deferral / active EE | $5,365 | $8,101-33.8% | $7,759-30.8% | $6,711-20.1% |
| Admin fee / account holder | $3,368 | $12,402-72.8% | $10,764-68.7% | $11,407-70.5% |