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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 | $199,012 | $160,040+24.4% | $147,096+35.3% | $145,877+36.4% |
| Participation rate | 25.0% | 84.0%-59.0pp | 82.2%-57.2pp | 80.3%-55.3pp |
| Annual return | 6.92% | 98.49%-91.6pp | 419.75%-412.8pp | 551.28%-544.4pp |
| Employer contribution / active EE | $1,425 | $5,289-73.1% | $4,936-71.1% | $4,663-69.4% |
| Participant deferral / active EE | $3,896 | $8,429-53.8% | $8,071-51.7% | $6,691-41.8% |
| Admin fee / account holder | $8,832 | $15,050-41.3% | $13,005-32.1% | $13,402-34.1% |