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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 | $247,045 | $78,425+215.0% | $95,956+157.5% | $79,858+209.4% |
| Participation rate | 63.3% | 73.5%-10.2pp | 77.1%-13.7pp | 69.6%-6.3pp |
| Annual return | 9.42% | 19.37%-9.9pp | 91.63%-82.2pp | 31.72%-22.3pp |
| Employer contribution / active EE | $7,817 | $1,945+301.9% | $2,541+207.6% | $2,471+216.4% |
| Participant deferral / active EE | $7,079 | $3,440+105.8% | $4,167+69.9% | $3,740+89.3% |
| Admin fee / account holder | $10,829 | $5,622+92.6% | $6,797+59.3% | $5,306+104.1% |