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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 | $128,053 | $106,008+20.8% | $92,240+38.8% | $147,586-13.2% |
| Participation rate | 50.0% | 80.4%-30.4pp | 76.5%-26.5pp | 82.8%-32.8pp |
| Annual return | 0.79% | 50.05%-49.3pp | 176.29%-175.5pp | 578.59%-577.8pp |
| Employer contribution / active EE | $3,593 | $4,333-17.1% | $3,680-2.4% | $4,876-26.3% |
| Participant deferral / active EE | $10,343 | $4,478+131.0% | $3,897+165.4% | $5,439+90.2% |
| Admin fee / account holder | $1,488 | $6,333-76.5% | $5,194-71.4% | $10,886-86.3% |