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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 | $117,518 | $58,311+101.5% | $81,882+43.5% | $80,959+45.2% |
| Participation rate | 51.5% | 63.5%-12.0pp | 72.4%-20.9pp | 67.7%-16.2pp |
| Annual return | 7.14% | 41.85%-34.7pp | 779.47%-772.3pp | 35.67%-28.5pp |
| Employer contribution / active EE | $1,243 | $2,347-47.0% | $2,916-57.4% | $2,757-54.9% |
| Participant deferral / active EE | $3,840 | $3,287+16.8% | $4,323-11.2% | $4,300-10.7% |
| Admin fee / account holder | $2,086 | $4,752-56.1% | $7,360-71.7% | $6,925-69.9% |