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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 | $108,197 | $106,005+2.1% | $92,239+17.3% | $147,585-26.7% |
| Participation rate | 27.3% | 80.4%-53.1pp | 76.5%-49.2pp | 82.8%-55.6pp |
| Annual return | 4.11% | 50.05%-45.9pp | 176.29%-172.2pp | 578.58%-574.5pp |
| Employer contribution / active EE | $0 | $4,333-100.0% | $3,680-100.0% | $4,876-100.0% |
| Participant deferral / active EE | $4,364 | $4,478-2.6% | $3,897+12.0% | $5,439-19.8% |
| Admin fee / account holder | $681 | $6,333-89.3% | $5,194-86.9% | $10,886-93.7% |