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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 | $119,235 | $27,943+326.7% | $58,507+103.8% | $75,177+58.6% |
| Participation rate | 25.0% | 38.8%-13.8pp | 50.9%-25.9pp | 67.2%-42.2pp |
| Annual return | 7.40% | 44.22%-36.8pp | 4252.32%-4244.9pp | 160.75%-153.4pp |
| Employer contribution / active EE | $603 | $670-9.9% | $1,053-42.7% | $2,671-77.4% |
| Participant deferral / active EE | $1,953 | $1,202+62.5% | $1,922+1.6% | $4,126-52.7% |
| Admin fee / account holder | $5,148 | $1,727+198.1% | $2,486+107.1% | $5,651-8.9% |