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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 | $91,275 | $64,324+41.9% | $118,914-23.2% | $79,856+14.3% |
| Participation rate | 25.0% | 64.9%-39.9pp | 75.4%-50.4pp | 69.6%-44.6pp |
| Annual return | 5.29% | 86.45%-81.2pp | 35.89%-30.6pp | 31.71%-26.4pp |
| Employer contribution / active EE | $959 | $1,836-47.8% | $3,264-70.6% | $2,471-61.2% |
| Participant deferral / active EE | $2,033 | $2,824-28.0% | $4,266-52.3% | $3,741-45.6% |
| Admin fee / account holder | $8,720 | $4,040+115.8% | $6,582+32.5% | $5,306+64.3% |