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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 | $125,287 | $58,241+115.1% | $81,780+53.2% | $80,911+54.8% |
| Participation rate | 50.0% | 63.4%-13.4pp | 72.4%-22.4pp | 67.6%-17.6pp |
| Annual return | 9.97% | 41.73%-31.8pp | 776.27%-766.3pp | 35.63%-25.7pp |
| Employer contribution / active EE | $1,470 | $2,343-37.3% | $2,914-49.6% | $2,756-46.7% |
| Participant deferral / active EE | $3,081 | $3,283-6.1% | $4,321-28.7% | $4,297-28.3% |
| Admin fee / account holder | $3,868 | $4,973-22.2% | $7,384-47.6% | $6,935-44.2% |