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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 | $81,210 | $107,363-24.4% | $92,909-12.6% | $152,897-46.9% |
| Participation rate | 22.2% | 79.8%-57.6pp | 76.0%-53.8pp | 82.5%-60.2pp |
| Annual return | 8.99% | 145.63%-136.6pp | 109.44%-100.4pp | 345.43%-336.4pp |
| Employer contribution / active EE | $2,164 | $4,222-48.8% | $3,653-40.8% | $4,764-54.6% |
| Participant deferral / active EE | $3,343 | $4,848-31.0% | $4,238-21.1% | $5,851-42.9% |
| Admin fee / account holder | $743 | $7,082-89.5% | $5,795-87.2% | $11,599-93.6% |