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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 | $148,894 | $73,107+103.7% | $114,563+30.0% | $87,485+70.2% |
| Participation rate | 31.7% | 65.8%-34.0pp | 72.9%-41.2pp | 68.9%-37.2pp |
| Annual return | 10.67% | 19.47%-8.8pp | 241.09%-230.4pp | 26.06%-15.4pp |
| Employer contribution / active EE | $497 | $1,881-73.6% | $2,592-80.8% | $2,596-80.9% |
| Participant deferral / active EE | $2,275 | $3,144-27.6% | $4,142-45.1% | $4,274-46.8% |
| Admin fee / account holder | $11,146 | $5,770+93.2% | $7,623+46.2% | $7,775+43.4% |