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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 | $76,186 | $148,623-48.7% | $135,974-44.0% | $139,466-45.4% |
| Participation rate | 50.0% | 83.9%-33.9pp | 81.9%-31.9pp | 80.3%-30.3pp |
| Annual return | 5.77% | 79.30%-73.5pp | 68.30%-62.5pp | 373.66%-367.9pp |
| Employer contribution / active EE | $1,601 | $5,246-69.5% | $4,859-67.0% | $4,754-66.3% |
| Participant deferral / active EE | $5,760 | $8,103-28.9% | $7,760-25.8% | $6,712-14.2% |
| Admin fee / account holder | $8,101 | $12,406-34.7% | $10,767-24.8% | $11,409-29.0% |