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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 | $127,121 | $58,258+118.2% | $81,820+55.4% | $80,925+57.1% |
| Participation rate | 42.6% | 63.5%-20.9pp | 72.4%-29.8pp | 67.7%-25.1pp |
| Annual return | 10.77% | 41.76%-31.0pp | 777.93%-767.2pp | 35.65%-24.9pp |
| Employer contribution / active EE | $1,922 | $2,345-18.1% | $2,915-34.1% | $2,756-30.3% |
| Participant deferral / active EE | $3,679 | $3,284+12.0% | $4,323-14.9% | $4,299-14.4% |
| Admin fee / account holder | $18,151 | $4,976+264.7% | $7,391+145.6% | $6,940+161.5% |