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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 | $126,601 | $90,486+39.9% | $78,676+60.9% | $273,972-53.8% |
| Participation rate | 66.7% | 76.5%-9.9pp | 73.6%-6.9pp | 83.0%-16.3pp |
| Annual return | -0.22% | 75.62%-75.8pp | 62.19%-62.4pp | 41.46%-41.7pp |
| Employer contribution / active EE | $1,272 | $3,175-59.9% | $2,850-55.4% | $4,869-73.9% |
| Participant deferral / active EE | $3,752 | $3,901-3.8% | $3,517+6.7% | $5,287-29.0% |
| Admin fee / account holder | $2,983 | $5,263-43.3% | $4,510-33.9% | $10,133-70.6% |