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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 | $117,062 | $51,638+126.7% | $68,368+71.2% | $82,448+42.0% |
| Participation rate | 29.9% | 63.6%-33.7pp | 73.8%-43.9pp | 68.1%-38.2pp |
| Annual return | 11.85% | 37.53%-25.7pp | 292.57%-280.7pp | 41.64%-29.8pp |
| Employer contribution / active EE | $1,052 | $2,047-48.6% | $2,649-60.3% | $2,551-58.8% |
| Participant deferral / active EE | $1,885 | $2,914-35.3% | $4,123-54.3% | $4,139-54.4% |
| Admin fee / account holder | $3,460 | $4,643-25.5% | $5,150-32.8% | $7,234-52.2% |