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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 | $152,159 | $101,618+49.7% | $93,063+63.5% | $137,256+10.9% |
| Participation rate | 52.6% | 74.9%-22.3pp | 72.1%-19.5pp | 80.0%-27.3pp |
| Annual return | 8.80% | 223.95%-215.1pp | 34.15%-25.4pp | 220.34%-211.5pp |
| Employer contribution / active EE | $1,207 | $2,707-55.4% | $2,476-51.3% | $4,156-71.0% |
| Participant deferral / active EE | $3,118 | $4,279-27.1% | $3,958-21.2% | $6,407-51.3% |
| Admin fee / account holder | $4,416 | $6,198-28.8% | $6,033-26.8% | $12,270-64.0% |