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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 | $123,007 | $58,726+109.5% | $142,898-13.9% | $85,847+43.3% |
| Participation rate | 45.2% | 58.5%-13.2pp | 72.0%-26.7pp | 69.3%-24.1pp |
| Annual return | 11.37% | 27.73%-16.4pp | 5639.64%-5628.3pp | 318.61%-307.2pp |
| Employer contribution / active EE | $1,575 | $1,424+10.6% | $4,146-62.0% | $2,565-38.6% |
| Participant deferral / active EE | $1,567 | $2,609-39.9% | $3,838-59.2% | $3,952-60.3% |
| Admin fee / account holder | $1,408 | $4,234-66.7% | $6,560-78.5% | $6,261-77.5% |