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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 | $120,484 | $102,422+17.6% | $147,117-18.1% | $80,959+48.8% |
| Participation rate | 64.6% | 75.9%-11.3pp | 82.2%-17.6pp | 67.7%-3.1pp |
| Annual return | 11.80% | 135.16%-123.4pp | 420.54%-408.7pp | 35.67%-23.9pp |
| Employer contribution / active EE | $1,043 | $3,717-71.9% | $4,932-78.8% | $2,757-62.2% |
| Participant deferral / active EE | $5,424 | $6,652-18.5% | $8,065-32.7% | $4,300+26.1% |
| Admin fee / account holder | $6,050 | $7,953-23.9% | $12,993-53.4% | $6,925-12.6% |